2027 IRMAA brackets
If your 2025 income was above $112,000 (single) or $224,000 (married filing jointly), you pay extra for Medicare in 2027. Here is every bracket, what it costs, and how it compares with the two years before.
Find my bracket — open the calculator
Single filers (and head of household)
| 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 |
Married filing jointly
| Bracket | 2025 income (MAGI) | Part B / month | Part D add-on | B + D / month |
|---|---|---|---|---|
| Standard (25% of cost) | $224,000 or less | $209.50 | $0 | $209.50 |
| Tier 1 (35% of cost) | More than $224,000, up to $282,000 or $284,000* | $293.30 | +$15.40 | $308.70 |
| Tier 2 (50% of cost) | More than $282,000 or $284,000*, up to $352,000 or $354,000* | $419.00 | +$39.70 | $458.70 |
| Tier 3 (65% of cost) | More than $352,000 or $354,000*, up to $422,000 or $424,000* | $544.70 | +$64.00 | $608.70 |
| Tier 4 (80% of cost) | More than $422,000 or $424,000*, up to $749,999 | $670.40 | +$88.30 | $758.70 |
| Tier 5 (85% of cost) | $750,000 or more | $712.30 | +$96.40 | $808.70 |
* Three middle thresholds are not fully settled yet. The law averages twelve months of inflation data (Sep 2025 – Aug 2026), but the October 2025 figure was never published during the government shutdown, so each of those thresholds could land $1,000 higher ($2,000 for joint filers) than shown. CMS settles them when it publishes the official table. The first threshold ($112,000 / $224,000) and the top bracket ($500,000 / $750,000, fixed by law) do not move.
2025 – 2027 compared
| Figure | 2025 (official) | 2026 (official) | 2027 (projected) |
|---|---|---|---|
| Standard Part B premium / month | $185.00 | $202.90 | $209.50 |
| Part B annual deductible | $257 | $283 | $292 |
| IRMAA starts above (single) | $106,000 | $109,000 | $112,000 |
| IRMAA starts above (joint) | $212,000 | $218,000 | $224,000 |
| Highest Part B premium / month | $628.90 | $689.90 | $712.30 |
Common questions
What is IRMAA?
IRMAA is the Income-Related Monthly Adjustment Amount — an extra charge added to your Medicare Part B premium, and a separate extra charge added to your Part D drug plan premium, if your income is above a set threshold. About 8% of Medicare enrollees pay it.
Which tax year decides my 2027 IRMAA?
Your 2025 federal tax return. Social Security looks back two years, so the income that sets your 2027 premiums is already on file. Your 2026 income will set your 2028 premiums.
What income counts — is it just salary?
The figure is your modified adjusted gross income (MAGI): your adjusted gross income plus any tax-exempt interest. It includes wages, pensions, IRA withdrawals, Roth conversions, capital gains, rental income and tax-exempt bond interest.
Is IRMAA gradual, like a tax bracket?
No — it is a cliff, not a slope. One dollar of income over a threshold puts you in the higher bracket for the whole year, on both Part B and Part D. At the first 2027 threshold, a single dollar too much costs roughly $1,190 over the year.
Are the 2027 numbers official?
Not yet. CMS publishes the official figures each fall. Until then, the thresholds are calculated from the formula written into federal law — the same formula that reproduces the official 2024, 2025 and 2026 thresholds exactly — and the premium is the Medicare Trustees’ projection. One middle threshold is still unsettled (see the note on this page) because one month of inflation data was never published during the 2025 government shutdown.
What if my income has dropped since 2025?
If you had a life-changing event — you married, divorced, lost a spouse, stopped working, or lost income-producing property — you can ask Social Security to use a more recent year by filing Form SSA-44. A normal drop in investment income does not qualify on its own.
What if I file married filing separately?
You get a compressed schedule: the standard premium up to $112,000 of MAGI, then you jump straight to the 80% bracket, and the 85% bracket at $388,000 or more. There are no lower IRMAA tiers for separate filers who lived with their spouse.
Figures for 2027 are projections and statutory calculations — see method & sources for exactly how each number is derived and how the formula checks against past years.