Free calculator · Medicare
Will your income raise your Medicare premiums?
Above certain incomes, Medicare adds a surcharge to Part B and Part D, called IRMAA. It goes up in steps: one dollar over a line costs the whole step. See where you stand for 2026.
Your 2026 premiumStep 1
$284.10 /monthPart B, per person, including the income surcharge
- Part B premium
- $284.10
- Part D surcharge (added to your plan’s price)
- $14.50
- Extra a year vs the standard premium
- $1,148
Only $9,000 of room before the next step ($137k). One dollar over adds $1,736 a year.
The six steps, and where you are
Monthly cost per person: Part B plus the Part D surcharge. Single figures for 2026.
$0$225$450$675$900
You · $128k
$0$50k$100k$150k$200k$250k
Per person. The steps are set again each year and usually rise with inflation.
What moves you up a step, and what can help
Pushes income upRequired withdrawals and Roth conversionsBoth count in full. Spreading a conversion over several years can keep each one under a step.Estimate my RMD →Can lower itGiving from your IRAFrom age 70½, gifts sent straight from your IRA to a charity are left out of your income.Taxes in Retirement guide →Also countsSocial Security and tax-free interestThe taxable part of your benefit and municipal bond interest both count toward this income.Check my Social Security tax →
Close to a step? Plan before December 31.Book a consultation with Mary.
2026 Medicare Part B premiums and income-related amounts, based on 2024 income. Married filing separately applies if you lived with your spouse during the year. General information, not tax advice.