Can you provide an example of how the income-related monthly adjustment amounts or IRMAA applies to my Medicare Part B and Medicare Part D prescription drug plan premiums?

The following chart lists the 2026 income-related monthly adjustment amount (IRMAA) income brackets for 2026 and the corresponding Medicare Part B and Part D IRMAA amounts. If you are single and filed an individual tax return, or married and filed a joint tax return, the following chart applies to you. The standard Medicare Part B premium for 2026 is $202.90.

2026 Income-Related Monthly Adjustment Amounts (IRMAA)
Modified Adjusted Gross Income (MAGI)	Medicare Part B monthly premium amount	Prescription drug coverage monthly premium amount
Individuals with a MAGI of $109,000 or less Married couples with a MAGI of $218,000 or less	Your Part B premium (held harmless) 2026 standard Part B premium is $202.90	Your actual Part D plan premium
Individuals with a MAGI above $109,000 up to $137,000 Married couples with a MAGI above $218,000 up to $274,000	Your Part B premium + $81.20	Your plan premium + $14.50
Individuals with a MAGI above $137,000 up to $171,000 Married couples with a MAGI above $274,000 up to $342,000	Your Part B premium + $202.90	Your plan premium + $37.50
Individuals with a MAGI above $171,000 up to $205,000 Married couples with a MAGI above $342,000 up to $410,000	Your Part B premium + $324.60	Your plan premium + $60.40
Individuals with a MAGI above $205,000 and less than $500,000 Married couples with a MAGI above $410,000 up to $750,000	Your Part B premium + $446.30	Your plan premium + $83.30
Individuals with a MAGI above $500,000 Married couples with a MAGI above $750,000	Your Part B premium + $487.00	Your plan premium + $91.00

As reference, here is a link our on this site article section on the Income-Related Monthly Adjustment Amounts
on this site.

Read more about the 2026 changes in IRMAA in our article:
2026 IRMAA: Slight increase in Medicare Part D IRMAA payments for some.

Read more about the 2025 changes in IRMAA in our article:
2025 IRMAA: Slight increase in Medicare Part D IRMAA payments for some.

Read more about the 2024 changes in IRMAA in our article:
2024 IRMAA: Slight increase in Medicare Part D IRMAA payments for some along with changes in the IRMAA brackets due to annual inflation adjustments.

Read more about the 2023 changes in IRMAA in our article:
2023 IRMAA: Slight decrease in Medicare Part D IRMAA payments along with changes in the IRMAA brackets due to annual inflation adjustments.

Read more about the 2022 changes in IRMAA in our article:
2022 IRMAA: Slight increase in Medicare Part D IRMAA payments for most along with changes in the IRMAA brackets due to annual inflation adjustments.

Read more about the 2021 changes in IRMAA in our article:
2021 IRMAA: Slight increase in Medicare Part D IRMAA payments for most along with changes in the IRMAA brackets due to annual inflation adjustments.

Read more about the 2020 changes in IRMAA in our article:
2020 IRMAA: Slight Decrease in Medicare Part D IRMAA payments for most along with larger decreases for some as IRMAA brackets become annually inflation adjusted.

If you have a question about your Medicare Part D Income-Related Monthly Adjustment Amount (or IRMAA), you can click on the following link and send us an email on this site.