2027 IRMAA Update · 2027 Projected Calculator
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 2027 Medicare determination, then add fixed premiums for a 2027 projected estimate. The 2027 IRMAA thresholds and premiums were still pending as of October 9, 2026. This tool does not recommend tax, investment, or retirement-account changes.
2027 premium yearHow the estimate is built
01
Tax filing statusSelect the status tied to the income year SSA used.
02
MAGIUsually 2025 tax information for 2027 premiums.
03
Federal IRMAA tierPublished Part B and Part D adjustments.
04
Fixed premium estimateAdd the Medicare-related monthly premiums you enter.
Projection method: Premium and surcharge projections come from the 2026 Medicare Trustees Report, Tables V.E1–V.E4 (2027 projections). Income thresholds use the lower-bound estimates in the TaxPayers.net 2027 IRMAA tracker, not an official CMS or SSA table. Estimated individual boundaries are $112,000, $141,000, $176,000 and $211,000; joint boundaries are twice those amounts. The three middle boundaries could each be $1,000 higher for individuals or $2,000 higher jointly depending on the final inflation calculation. Results near a boundary may change. Recheck the final federal tables before making decisions.
2027 projections — October 9, 2026
Projected 2027 figures — not final. Actual 2027 Part A/B amounts and IRMAA tables have not been released as of October 9, 2026. Displayed projections are awaiting CMS’s final determination and applicable Social Security tables. Final amounts may differ. Use these estimates for planning only.
Projected 2027 Estimator
Estimate fixed Medicare premiums and IRMAA in one place.
This calculator uses projected 2027 Part B and Part D IRMAA amounts and estimated income thresholds. The 2027 income thresholds, Part B premium, and Part D IRMAA amounts had not been published as of October 9, 2026; do not use this estimate as a 2027 quote. 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 2027 Medicare premiums, Social Security generally uses 2025 tax information. If 2025 information was unavailable, SSA may use 2024 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 projected 2027 estimate will appear here.
Enter MAGI, confirm filing status, add the fixed premiums you want included, then calculate.
Projected result only. Actual 2027 figures await final CMS/SSA release and may differ.
2027 IRMAA result
2027 · PROJECTEDNo 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 2027 IRMAA table generally looks back two tax years.
For 2027 Medicare premiums, Social Security generally uses 2025 tax information, or 2024 if 2025 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 2027 thresholds.
SSA makes the determination
The estimator organizes projected amounts and estimated thresholds. Your SSA notice and agency determination control what you actually owe.
2025Tax informationUsually the income year used
→2027Medicare premium yearIRMAA applied to Part B and Part D
Projected 2027 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 year2027 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
Projection sources and assumptions
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 projected 2027 Medicare Part B and Part D income-related monthly adjustment amounts and estimated income thresholds 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.