Will IRMAA Cost Me Money?

Find out if your income triggers Medicare Part B and Part D surcharges — and how close you are to the next cliff.

Filing status

Married Filing Jointly Single

Both spouses enrolled in Medicare?

Yes, both Just one / N/A

Estimated MAGI for this year (AGI + tax-exempt interest)

How close to a threshold do you want the "safe zone" alert to trigger?

$5,000

Decision

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Your IRMAA tier

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Extra Medicare cost / yr

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Next threshold

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Room before next tier

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Cost per $1 over next threshold

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Applies to Medicare year

2028

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Includes all 2026 thresholds and the two-year lookback timeline.