2027 IRMAA Brackets: All Filing Statuses from $209.50 (Projected)
Planning projections. The final CMS amounts and income tiers can differ.
Projected
Coverage year 2027 ordinarily uses the 2025 tax return. Amounts below are per enrolled person.
| MAGI from 2025 | Part B total / month | Part B surcharge | Part D surcharge |
|---|---|---|---|
| $112,000 or less | $209.50 | $0.00 | $0.00 |
| Over $112,000 to $141,000 | $293.30 | $83.80 | $15.40 |
| Over $141,000 to $176,000 | $419.00 | $209.50 | $39.80 |
| Over $176,000 to $211,000 | $544.70 | $335.20 | $64.00 |
| Over $211,000 to under $500,000 | $670.30 | $460.80 | $88.30 |
| $500,000 or more | $712.30 | $502.80 | $96.50 |
Part D surcharge is added to your plan premium. Married-separate tiers shown apply if you lived with your spouse during the tax year.
Calculate my surchargeMarried Jointly.
| MAGI from 2025 | Part B / month | Part D surcharge |
|---|---|---|
| $224,000 or less | $209.50 | $0.00 |
| Over $224,000 to $282,000 | $293.30 | $15.40 |
| Over $282,000 to $352,000 | $419.00 | $39.80 |
| Over $352,000 to $422,000 | $544.70 | $64.00 |
| Over $422,000 to under $750,000 | $670.30 | $88.30 |
| $750,000 or more | $712.30 | $96.50 |
Married Separately.
| MAGI from 2025 | Part B / month | Part D surcharge |
|---|---|---|
| $112,000 or less | $209.50 | $0.00 |
| Over $112,000 to under $388,000 | $670.30 | $88.30 |
| $388,000 or more | $712.30 | $96.50 |
Questions, answered.
Are the 2027 Medicare amounts official?
No. These are Trustees-based premium projections and explicit IRMAA planning assumptions, with no claim of a final CMS announcement.
Which income counts for IRMAA?
Modified adjusted gross income is ordinarily adjusted gross income plus tax-exempt interest from two tax years earlier. Certain changes can justify a new determination from SSA.
Will a married couple pay one premium?
Medicare costs are generally per enrolled person. Joint filing uses the joint income thresholds, but each spouse can owe a premium and surcharge.
Does the Part D base amount equal my plan premium?
No. It is a national benchmark. Your chosen plan premium and any Part D income-related surcharge are separate.
Can retirement reduce an IRMAA assessment?
Work stoppage or reduction can be a qualifying life-changing event. Follow SSA-44 and SSA’s evidence rules; a lower entered calculator income does not itself change the assessment.
Check the sources.
Data checked October 1, 2026.