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Projected 2026 irmaa brackets for medicare part b and d premiums The higher your income bracket, the larger the surcharge. I scoured the most reliable sources for sound 2026 projections of the irmaa brackets and surcharge amounts

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The 2026 amounts discussed below are not final. It’s based on your modified adjusted gross income (magi) from two years ago —so your 2024 tax return is used for 2026 You pay higher medicare part b and part d premiums if your income exceeds certain thresholds

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Here are the irmaa income brackets for 2025, 2026, and 2027.

And you don’t even know it A chart displays 2026 irmaa medicare income brackets, part b premiums, and monthly surcharges for different income tiers and filing statuses It’s not based on what you earn today. Understanding the medicare irmaa brackets for 2026 is essential for beneficiaries facing higher premiums based on income

See the projected costs for 2026 medicare part b premium and deductible, part d premium, and part a deductibles in our breakdown.