Medicare in 2027: the Part B premium and IRMAA brackets, in plain English
Higher-income retirees pay extra for Medicare — that's IRMAA. Here are the 2027 brackets, what the standard Part B premium is expected to be, and a calculator that shows exactly where you land and how close you are to the next cliff.
The full table for single and married filers, plus how 2027 compares with 2025 and 2026.
Enter your 2025 income and see your bracket, your monthly total, and how many dollars of income separate you from the next bracket.
The standard premium, the deductible, and what the 3.6% Social Security raise leaves after Part B takes its share.
The short version of the 2027 brackets
| Bracket | 2025 income (MAGI) | Part B / month | Part D add-on | B + D / month |
|---|---|---|---|---|
| Standard (25% of cost) | $112,000 or less | $209.50 | $0 | $209.50 |
| Tier 1 (35% of cost) | More than $112,000, up to $141,000 or $142,000* | $293.30 | +$15.40 | $308.70 |
| Tier 2 (50% of cost) | More than $141,000 or $142,000*, up to $176,000 or $177,000* | $419.00 | +$39.70 | $458.70 |
| Tier 3 (65% of cost) | More than $176,000 or $177,000*, up to $211,000 or $212,000* | $544.70 | +$64.00 | $608.70 |
| Tier 4 (80% of cost) | More than $211,000 or $212,000*, up to $499,999 | $670.40 | +$88.30 | $758.70 |
| Tier 5 (85% of cost) | $500,000 or more | $712.30 | +$96.40 | $808.70 |
Single filers, projected figures. Married filing jointly uses thresholds that are exactly double at the first bracket — see the full brackets page. Part D add-on is paid on top of your own drug plan's premium. How these numbers are worked out.