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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 Dejan Ilijevski, MBA, MS

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