Medicare Part B And Part D IRMAA Surcharge Rules – Will I Avoid IRMAA Surcharges On Medicare Part B And Part D? (2026)

2026 · WILL I AVOID IRMAA SURCHARGES ON MEDICARE PART B & PART D?
$109,001 - $137,000 (Single)$218,001 - $274,000 (MFJ)$137,001 - $171,000 (Single)$274,001 - $342,000 (MFJ)$171,001 - $205,000 (Single)$342,001 - $410,000 (MFJ)$205,001 - $499,999 (Single)$410,001 - $749,999 (MFJ)$500,000+ (Single)$750,000+ (MFJ)Did your MAGI exceed $109k (Single), $218k (MFJ) based on the prior, prior year (2024)?Part B premium remains at $202.90/month.You can try requestingan exception by filingForm SSA 44.Part B Surcharge:$81.20/monthPart D Surcharge:$14.50/monthPart B Surcharge:$202.90/monthPart D Surcharge:$37.50/monthPart B Surcharge:$324.60/monthPart D Surcharge:$60.40/monthSurcharges doublefor a MFJ couple.Part B Surcharge:$487.00/monthPart D Surcharge:$91.00/monthPart B Surcharge:$446.30/monthPart D Surcharge:$83.30/monthPer the SSA, a "Life-Changing Event" includes marriage, divorce, widowing, retirement, lay off, loss of a pension or income-producing property.NoYesYesNoSorry, you are subject to IRMAA surcharges, in addition to the Part B premium of $202.90/month.What’s your MAGI from the prior, prior year (2024)?Have you (or your spouse, if married) experienced a "Life-Changing Event" that has significantly reduced your income?I don’t know.START HERE
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Weiser Financial Planning, LLC is a Fiduciary, and Fee-Only Financial Planning Firm. A Registered Investment Adviser in Lewis Center, OH that provides Comprehensive Financial Planning and Investment Management Services to clients in the Columbus & Central Ohio area, as well as Nationwide though online virtual meetings. Ryan J. Weiser CFP®, CDFA® is the president and founder of Weiser Financial Planning LLC. He helps people connect their money with the things that are most important to them by making wise financial decisions, so they can maximize their money and live the best life possible. 

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