2026 Medicare Cost Tool
Medicare 2026 IRMAA Calculator
Calculate your Income-Related Monthly Adjustment Amount (IRMAA) for Medicare Part B and Part D using your Medicare MAGI (adjusted gross income plus tax-exempt interest) from the tax return Social Security uses—generally tax year 2024 for 2026, but sometimes 2023. Enter MAGI, not taxable income; filing status and Social Security’s determination control the result. VA disability compensation is generally excluded from federal income and therefore generally is not included in Medicare MAGI. Do not assume every VA-related payment is excluded.
Part B Breakdown:
Do you have a Part D prescription drug plan?
Veterans Note: VA or TRICARE pharmacy coverage may mean you do not need to enroll in a separate Medicare Part D plan, but verify that your coverage is current and creditable before deciding. If you have Medicare prescription drug coverage, Part D IRMAA may still apply based on MAGI; this tool is not an enrollment or late-enrollment-penalty determination. Call us to discuss your specific situation.
Your Estimated Annual IRMAA Cost
Disclaimer: This tool provides estimates only and may not be exact. IRMAA uses Medicare MAGI (adjusted gross income plus tax-exempt interest) from the tax return Social Security uses—generally your 2024 return for a 2026 determination, but sometimes 2023. Actual amounts may vary; filing status and Social Security’s official determination control the result. 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
For 2026, Social Security generally uses your 2024 tax return and Medicare MAGI, but may use 2023 when the 2024 return is unavailable. Your official IRMAA notice controls.
The "Cliff" Effect
IRMAA uses income brackets, so a higher bracket can increase your monthly premiums. Your official Social Security notice controls the amount.
VA Disability Shield
VA disability compensation is generally excluded from federal income and therefore generally is not included in Medicare MAGI. Do not assume every VA-related payment is excluded; use your adjusted gross income plus tax-exempt interest as instructed by Social Security.
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Questions About IRMAA or Medicare Costs?
With nearly 20 years of Medicare experience, my team and I work exclusively with veterans. There’s no cost to you for our help. If you enroll, we’re paid by the insurance company; Medicare plan premiums, deductibles, copayments, coinsurance, and other costs still apply according to the plan.