Enter your tax filing status and Modified Adjusted Gross Income (MAGI) from your two-year return. The calculator will show your Part B premium, Part D surcharge, and total additional monthly cost for {2026}.
IRMAA is based on your Modified Adjusted Gross Income (MAGI) from your tax return 2 years ago.
MAGI = your Adjusted Gross Income + tax-exempt interest income. You'll find these on your IRS Form 1040. Medicare uses the return from 2 years prior to the current benefit year.
Enter your filing status and income, then click "See My IRMAA Impact" to view your estimated surcharges.
IRMAA stands for Income-Related Monthly Adjustment Amount. It's an extra charge added to your Part B and Part D premiums if your income exceeds certain thresholds. It is not a penalty — it's an income-based sliding scale that affects roughly 7% of Medicare beneficiaries.
Medicare determines your IRMAA using your tax return from two years prior. So your premiums in 2026 are based on your 2024 Modified Adjusted Gross Income (MAGI). If your income has since dropped, you can request a redetermination.
Experienced a significant income drop due to retirement, divorce, death of a spouse, work reduction, or loss of income-producing property? You may qualify for an IRMAA reduction by filing SSA-44 with Social Security. A UMA advisor can guide you through the process.
Your Medicare Supplement (Medigap) premiums are completely separate from IRMAA. Even if you pay a higher Part B premium due to income, your Medigap plan costs remain based on the plan's own rating factors — not your income.
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PLEASE NOTE: Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease. The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance company. Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program.
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