2026 Medicare Cost Tool
Medicare Cost & IRMAA Estimator
Turn the federal tables into a clearer Medicare premium picture.
Enter the tax filing status and modified adjusted gross income used for your 2026 Medicare determination, then add the fixed premiums you want included. The tool estimates published Part B and Part D income-related amounts without recommending tax, investment, or retirement-account changes.
2026 premium yearHow the estimate is built
01
Tax filing statusSelect the status tied to the income year SSA used.
02
MAGIUsually 2024 tax information for 2026 premiums.
03
Federal IRMAA tierPublished Part B and Part D adjustments.
04
Fixed premium estimateAdd the Medicare-related monthly premiums you enter.
Important Boundary
This estimates Medicare premiums. It does not provide a strategy for changing your income.
Silver Path Benefits Insurance Services can explain how published Medicare premium rules affect insurance costs. We do not advise you to sell investments, change retirement-account withdrawals, complete a Roth conversion, alter a tax filing position, or take another financial action to reach an IRMAA threshold.
Before you use the tool
- Do not enter a Social Security number or Medicare number.
- Use the MAGI and filing status from the tax year SSA used, or the figures shown on your notice.
- SSA makes the actual IRMAA determination.
- Plan-specific premiums and benefits must be verified separately.
Interactive 2026 Estimator
Estimate fixed Medicare premiums and IRMAA in one place.
The result uses the 2026 federal Part B and Part D IRMAA tables. It is not a total-health-care-cost estimate and does not include care you may use during the year.
Step 1
Income information
For 2026 Medicare premiums, Social Security generally uses 2024 tax information. If 2024 information was unavailable, SSA may use 2023 information.
Basic MAGI estimate$0Use this only as an educational helper. SSA and IRS data control the actual determination.
Step 2
Who should be included?
IRMAA is assessed per Medicare beneficiary. A joint tax return can therefore produce an adjustment for one or both spouses depending on who has Medicare coverage.
Your 2026 estimate will appear here.
Enter MAGI, confirm filing status, add the fixed premiums you want included, then calculate.
2026 IRMAA result
2026No IRMAA based on entered MAGI
This is not your official Medicare bill or SSA determination.
The estimate excludes deductibles, copays, coinsurance, prescription out-of-pocket costs, late-enrollment penalties, Medicare Advantage Part B premium reductions, subsidies, and other adjustments not entered here.
Understanding MAGI
The 2026 IRMAA table generally looks back two tax years.
For 2026 Medicare premiums, Social Security generally uses 2024 tax information, or 2023 if 2024 information is not available. The income measure is modified adjusted gross income.
Start with AGI
SSA-44 asks for adjusted gross income as reported on the applicable federal tax return.
Add tax-exempt interest
Tax-exempt interest is included in the MAGI calculation used for IRMAA. Certain special tax provisions can require additional modifications.
Match the filing-status table
Single-type, joint, and certain married-filing-separately situations use different 2026 thresholds.
SSA makes the determination
The estimator organizes published numbers. Your SSA notice and agency determination control what you actually owe.
2024Tax informationUsually the income year used
→2026Medicare premium yearIRMAA applied to Part B and Part D
2026 Federal Tables
See the exact income bands used by the estimator.
Switch filing status to review the applicable MAGI ranges. Part D amounts shown are the IRMAA amounts added to the plan premium.
Single, head of household, qualifying surviving spouse, or MFS lived apart all year2026 premium year
| MAGI range | Part B monthly premium | Part D IRMAA |
|---|
Part D plan premiums vary by plan. The Part D amounts above are added to the applicable plan premium. Married filing separately taxpayers who lived apart for the entire tax year can fall under the individual-style table when Social Security's rules are satisfied.
When Income Has Changed
A lower current income does not automatically change IRMAA, but certain SSA-listed life events can support a new determination request.
Social Security lists eight qualifying life-changing event categories for IRMAA requests. Select a category to see the general description. SSA determines whether the event, evidence, and income information meet its requirements.
SSA-listed life-changing event
Select an event
Choose one of the eight categories to review why it may matter to an IRMAA request.
What this does not mean
SSA: Request to Lower IRMAA Selecting an event here does not establish eligibility, prove the event, or calculate a revised IRMAA. Social Security reviews the request and evidence.
What the Estimate Leaves Out
Fixed premiums are only one part of Medicare spending.
This tool intentionally avoids pretending it can predict total health care costs.
Deductibles, copays, and coinsurance.
Drug-specific prices, formulary rules, and pharmacy costs.
Part B and Part D penalties require separate facts and official determinations.
Any Medicare Advantage Part B premium reduction or other plan-specific adjustment.
Extra Help, Medicare Savings Programs, Medicaid or Medi-Cal, and other subsidies.
No retirement, securities, tax, or estate-planning recommendation is produced.
Official Sources
The estimator is built from federal 2026 Medicare and Social Security tables.
Use the official sources below to verify current thresholds, premiums, notices, and requests for a new IRMAA determination.
Educational estimator and professional-scope notice: This tool provides a general estimate using published 2026 Medicare Part B and Part D income-related monthly adjustment tables and amounts you enter. It is not an official Social Security Administration or Medicare determination, bill, tax calculation, financial plan, investment recommendation, legal opinion, or accounting advice. Actual premiums can differ because of late-enrollment penalties, Medicare Advantage premium reductions, plan-specific premiums, subsidies, billing adjustments, or other circumstances. Silver Path Benefits Insurance Services does not recommend changing investments, retirement-account withdrawals, Roth conversions, tax filing status, asset sales, or other financial transactions to alter IRMAA. Verify your actual determination with Social Security, Medicare, official notices, plan documents, and appropriate tax, legal, or financial professionals.