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.
What income counts toward IRMAA?
Your Modified Adjusted Gross Income (MAGI) — total income plus certain deductions added back, like tax-exempt interest. It's based on your tax return from two years before the plan year, so your 2026 premium uses your 2024 return.
Can my IRMAA bracket change from year to year?
Yes — since it's based on a rolling two-years-prior tax return, your bracket can move up or down as your income changes, and the dollar thresholds themselves are adjusted periodically. We recheck it as part of your annual coverage review.
I had a one-time high-income year — will that permanently raise my premium?
Not permanently, but it will affect the specific year tied to that tax return. If the high income was due to a one-time event (like a home sale) and your income has since returned to normal, you may also be able to appeal using Form SSA-44 rather than waiting for it to phase out naturally.
Talk to a local La Crosse area advisor
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