Estimate your Medicare Part B & Part D IRMAA surcharge
Enter your 2025 modified adjusted gross income to estimate the extra monthly amount Medicare may add to your 2027 Part B and/or Part D premiums.
2027 IRMAA is generally based on 2024 tax return income.
2027 Medicare IRMAA Calculator
Estimate income-related Part B and Part D surcharges using 2025 tax-year income.
Projected 2027 amounts: The 2027 income brackets and surcharge figures below are estimates pending the official CMS announcement. Do not quote them as final Medicare rates.
Projected 2027 IRMAA income brackets
Enter income to see how close you are to the next bracket.
| Income range | Projected Part B IRMAA | Projected Part D IRMAA |
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How IRMAA works
IRMAA is an income-related surcharge added to Medicare Part B and Part D premiums when income is above certain thresholds.
- 2027 IRMAA generally uses your 2025 modified adjusted gross income (MAGI).
- Part B IRMAA is added to the Part B premium.
- Part D IRMAA is paid in addition to the drug plan premium.
Ways to reduce or avoid IRMAA
- Plan Roth conversions before Medicare lookback years when possible.
- Manage taxable IRA withdrawals and capital gains.
- Use Form SSA-44 if a qualifying life-changing event lowered income.
- Review income before age 63 if enrolling in Medicare at 65.
Medicare Part B enrollment forms
2027 IRMAA income thresholds and surcharges shown here are PROJECTIONS, not official CMS/SSA rates as of October 30, 2026. The 2027 standard Part B premium of $209.50 is also projected. Actual IRMAA determinations are made by Social Security. Part D plan premiums are not included here. Married filing separately assumes you lived with your spouse at some point during 2025.