Medicare 2026 IRMAA Calculator
Calculate your Income-Related Monthly Adjustment Amount (IRMAA) for Medicare Part B and Part D based on your 2024 taxable income. Veterans: enter your taxable income only — your VA disability compensation is already invisible to Medicare.
Part B Breakdown:
Do you have a Part D prescription drug plan?
Veterans Note: Many veterans with VA health care or TRICARE may not need a separate Part D plan. The VA provides prescription drug coverage, and TRICARE is considered creditable coverage. If you have these benefits, you may avoid the Part D IRMAA surcharge entirely. Call us to discuss your specific situation.
Your Estimated Annual IRMAA Cost
Disclaimer: This tool provides estimates only and may not be exact. IRMAA is based on your Modified Adjusted Gross Income (MAGI) from 2 years prior — your 2024 income determines your 2026 IRMAA. Actual amounts may vary. Contact Social Security at 1-800-772-1213 or Medicare at 1-800-MEDICARE for official determinations.
Understanding Medicare IRMAA
What is IRMAA?
IRMAA stands for Income-Related Monthly Adjustment Amount. It is a surcharge added to your Medicare Part B and Part D premiums if your income exceeds certain thresholds.
2-Year Look-Back
Your 2026 IRMAA is based on your 2024 tax return (MAGI). This means income from two years ago determines what you pay today.
The "Cliff" Effect
IRMAA uses income cliffs, not gradual increases. Going just $1 over a threshold can increase your premiums by over $1,000 per year.
VA Disability Shield
VA disability compensation is excluded from MAGI under federal law (26 USC 104). Medicare cannot see it. Enter your taxable income only — not your disability pay.
Questions About IRMAA or Medicare Costs?
With nearly 20 years of Medicare experience, my team and I work exclusively with veterans. Medicare rules make our services completely free to you.