Projected Medicare Income Thresholds and Surcharges for 2026
Projected 2026 IRMAA brackets and thresholds. See how inflation affects Medicare premiums and plan ahead for potential IRMAA costs.
The 2026 IRMAA Brackets with inflation remaining in check should slightly increase in terms of the Income Thresholds while the Surcharges will jump a little bit higher.
The corresponding IRMAA Income Thresholds are set to adjust according to the change in the Consumer Price Index for Urban Consumers (CPI-U) from the September of the following year to August of the new.
If the CPI-U remains consistent over the next several months, the 2026 IRMAA Thresholds will only increase by about 1.02%.
Based on current inflation trends, here are the projected 2026 IRMAA thresholds:
| Individual MAGI | Couple MAGI |
|---|---|
| < $107,000 | < $214,000 |
| $107,000 – $134,000 | $214,000 – $268,000 |
| $134,000 – $169,000 | $268,000 – $338,000 |
| $169,000 – $202,000 | $338,000 – $404,000 |
| $202,000 – $500,000 | $404,000 – $750,000 |
| > $500,000 | > $750,000 |
The IRMAA Surcharges are set by the Centers for Medicare Services (CMS) on an annual basis. Based on Medicare Trustees projections, the 2026 IRMAA Brackets may be:
| Individual MAGI | Couple MAGI | Part B | Part D |
|---|---|---|---|
| < $107,000 | < $214,000 | $186.90 | Premium (varies) |
| $107,000 – $134,000 | $214,000 – $268,000 | $261.70 | Premium + $14.50 |
| $134,000 – $169,000 | $268,000 – $338,000 | $373.80 | Premium + $37.50 |
| $169,000 – $202,000 | $338,000 – $404,000 | $485.90 | Premium + $60.40 |
| $202,000 – $500,000 | $404,000 – $750,000 | $598.10 | Premium + $83.30 |
| > $500,000 | > $750,000 | $635.50 | Premium + $90.90 |
In simpler terms, IRMAA is a progressive tax on your income through Medicare—the more income you earn, the greater your tax will be.
Planning ahead for 2026 IRMAA brackets can help you make strategic decisions about income timing, Roth conversions, and other financial moves. Learn more about strategies to reduce your MAGI.
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