Medicare IRMAA 2026: Income Limits, Part B & Part D Premiums, and Appeals
Medicare premiums are not the same for every enrollee. People with higher income may pay an additional monthly amount called the Income-Related Monthly Adjustment Amount (IRMAA) . IRMAA is not an income tax. It is an income-based surcharge added to Medicare Part B and, for people enrolled in Medicare prescription drug coverage, Part D. Your 2026 IRMAA is generally based on information from your 2024 federal tax return. IRMAA is closely connected to retirement-income planning because Traditional IRA withdrawals, 401(k) distributions, Roth conversions, taxable investment sales, wages, and other income can affect your modified adjusted gross income. For related federal tax planning, see Is Social Security Taxed? Federal Tax Rules and Planning Considerations . Medicare premiums can change when income reaches an IRMAA threshold. 2026 IRMAA Basics For 2026, the standard Medicare Part B premium is $202.90 per month...