Enter filing status & 2025 MAGI
IRMAA uses a two-year lookback — 2027 looks at 2025 income.
Modified adjusted gross income from your 2025 tax return (AGI + tax-exempt interest). Enter 0 if none.
Optional: Social Security benefit show net after Part B
If Part B is withheld from your check, we show an estimate of what’s left. Optional.
Your 2027 Part B premium
Projected$209.50 /month
Standard Part B · no IRMAA
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Short answer: The 2026 Trustees Report projects a 2027 standard Part B premium of $209.50/mo and deductible $292. IRMAA add-ons (projected) range from $83.70 to $502.60, so total Part B can reach $712.10/mo at the top tier. Mid-year MAGI lines for 2027 are not final — this page uses 2026 Official brackets as Approximate with Projected premiums.
2027 Part B & IRMAA (Projected)
Premiums below are from Trustees Tables V.E2–V.E3. MAGI columns are Approximate (2026 Official lines) until CMS publishes 2027 brackets. Top freeze: ≥ $500,000 single / ≥ $750,000 joint stays through 2027.
| Tier | Approx. MAGI (Single) | Approx. MAGI (Joint) | IRMAA | Total / mo |
|---|---|---|---|---|
| Standard | ≤ ~$109,000 | ≤ ~$218,000 | $0 | $209.50 |
| 35% | > ~$109k – $137k | > ~$218k – $274k | $83.70 | $293.20 |
| 50% | > ~$137k – $171k | > ~$274k – $342k | $209.40 | $418.90 |
| 65% | > ~$171k – $205k | > ~$342k – $410k | $335.10 | $544.60 |
| 80% | > ~$205k – <$500k | > ~$410k – <$750k | $460.70 | $670.20 |
| 85% | ≥ $500,000 | ≥ $750,000 | $502.60 | $712.10 |
Approximate mid-brackets may shift slightly when CMS announces; amounts shown as Projected until then. For Married filing separately who lived with a spouse, CMS uses a compressed schedule (see calculator).
Frequently asked questions
What is the projected 2027 Medicare Part B premium?
Trustees project $209.50/mo standard Part B and a $292 annual deductible. Official CMS rates replace these when published (often in the fall fact sheet).
Which year's income does 2027 IRMAA use?
Your 2025 MAGI (two-year lookback). Filing status on that return matters.
Are the 2027 IRMAA MAGI brackets final?
Mid-bracket dollar lines are not final. We mark them Approximate and use 2026 Official lines for the interim. Top tiers at $500k / $750k are frozen through 2027.
How do I appeal an IRMAA decision?
Use SSA Form SSA-44 after a qualifying life-changing event (for example retirement or divorce).
Is this an official CMS calculator?
No. Independent planning tool — not affiliated with CMS or SSA.
Sources
- Source: 2026 Annual Report of the Boards of Trustees of the Federal HI and SMI Trust Funds, Tables V.E2–V.E3 (Projected $209.50 standard Part B; accessed 2026-10-19). Official CMS rates replace this when published. Not affiliated with CMS or SSA.
- 2026 Medicare Trustees Report (PDF) · CMS OACT
- 2026 Official MAGI lines (Approximate brackets only): CMS 2026 Parts A & B Fact Sheet