Medicare Cost Calculator 2026 (Part B, IRMAA, Part D)
Estimate your 2026 Medicare costs — the $202.90 Part B premium, income-related surcharges (IRMAA) for Part B and D, Part A premium if you lack 40 work credits, and deductibles.
For information and education only — not financial advice. Results are estimates based on the numbers you enter; check important decisions with a qualified professional.
How to use
- 1Choose your tax filing status and enter your MAGI from your 2024 tax return.
- 2Enter your Part D or Medigap/Advantage plan premium.
- 3See monthly and yearly costs, with any IRMAA surcharge.
How it's calculated
Part B = $202.90 + IRMAA for your MAGI tier (2 years back). Part D = plan premium + Part D IRMAA. Part A is free with 40 work quarters, $311/mo with 30–39, $565/mo otherwise.
Frequently asked questions
Which year's income counts?
2026 premiums use your modified AGI from your 2024 tax return (AGI plus tax-exempt interest).
Can I lower IRMAA after retiring?
Yes — if your income dropped because of a life-changing event (retirement, marriage, divorce, death of a spouse), file form SSA-44 to ask Social Security to use a more recent year.
What are the 2026 deductibles?
Part B: $283 per year. Part A: $1,736 per hospital benefit period.