Free Tools
Premium Estimator
Your Medicare premiums depend on the standard Part B amount plus any income-related surcharge (IRMAA) if your income is above certain thresholds, plus any plan premium you choose. Share your income range and we'll estimate your monthly cost so there are no surprises.
Use the IRMAA calculator below
Enter your MAGI (modified adjusted gross income) and tax filing status — the calculator instantly shows your 2026 IRMAA tier, your actual monthly Part B premium, and the annual surcharge total. IRMAA brackets are based on your tax return from two years ago; thresholds adjust annually for inflation.
Questions, answered
Why is my Part B premium higher than the standard amount?
Likely IRMAA — an income-related surcharge based on your modified adjusted gross income from two years ago. We can estimate your bracket.
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