Will IRMAA Cost Me Money?

Find out if your income triggers Medicare Part B and Part D surcharges, and how close you are to the next cliff.

Filing status

Married Filing Jointly Single

Both spouses enrolled in Medicare?

Yes, both Just one / N/A

Estimated MAGI for this year (AGI + tax-exempt interest)

How close to a threshold do you want the "safe zone" alert to trigger?

$5,000

Decision

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Your IRMAA tier

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Extra Medicare cost / yr

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Next threshold

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Room before next tier

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Cost per $1 over next threshold

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Applies to Medicare year

2028

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Includes all 2026 thresholds and the two-year lookback timeline.

Ready to See What a Clear Plan Could Look Like for You?

If you’ve got 20 minutes and want an honest conversation about your retirement income and tax picture, let’s find out if we’re the right fit.