$202.90Standard Part B premium, 2026
$283Part B deductible, 2026
$689.90Top-bracket Part B premium
2 yearsIncome look-back
2026 costs at a glance
| Item | 2026 |
|---|---|
| Part B standard premium | $202.90 a month (up from $185.00 in 2025) |
| Part B annual deductible | $283 (up from $257) |
| Part A inpatient deductible | $1,736 per benefit period |
| Part A premium if you have fewer than 30 work quarters | $565 a month (30 to 39 quarters: $311) |
| Part D out-of-pocket cap | $2,100 (maximum deductible $615) |
IRMAA brackets for 2026 (based on your 2024 tax return)
| Single (2024 MAGI) | Married filing jointly | Total Part B premium | Extra per year (Part B only) |
|---|---|---|---|
| $109,000 or less | $218,000 or less | $202.90 | $0 |
| $109,001 to $137,000 | $218,001 to $274,000 | $284.10 | $974.40 |
| $137,001 to $171,000 | $274,001 to $342,000 | $405.80 | $2,434.80 |
| $171,001 to $205,000 | $342,001 to $410,000 | $527.50 | $3,895.20 |
| $205,001 to $499,999 | $410,001 to $749,999 | $649.20 | $5,355.60 |
| $500,000 or more | $750,000 or more | $689.90 | $5,844.00 |
Married filing separately (and living with your spouse): $202.90 at $109,000 or less, $649.20 from $109,001 to $390,999, and $689.90 at $391,000 or more.
Part D surcharge: if IRMAA applies, you also pay an extra $14.50 to $91.00 a month on top of your drug plan's premium, depending on your bracket. It is billed through Medicare, not your plan.
How IRMAA works
- MAGI means your adjusted gross income plus tax-exempt interest, taken from your tax return from two years ago (2024 for 2026).
- It is a cliff. Going $1 over a threshold moves you to the full bracket premium for the year.
- CMS sets new brackets every year. The 2027 premium and brackets are expected in November and will use your 2025 return.
You can appeal. If your income dropped because of a life-changing event (retirement or reduced work, marriage, divorce, death of a spouse, loss of income-producing property, or a pension change), file Form SSA-44 to ask SSA to use a more recent year. You can also dispute an incorrect tax figure SSA used.
Estimate your bracket with the IRMAA calculator.