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2026 Updates

Medicare Part B Premiums and IRMAA in 2026: What Higher-Income Beneficiaries Need to Know

If your income exceeds certain thresholds, you pay more for Medicare Part B and Part D. Here's how IRMAA works in 2026 and strategies to reduce your surcharge.

Jill Syfrett·January 18, 2026·6 min read

This article is currently being finalized. Check back soon for the full IRMAA guide.

What This Article Will Cover

  • What IRMAA is and how it's calculated
  • 2026 Part B and Part D IRMAA surcharge tables
  • Which tax year income is used for 2026 IRMAA calculations
  • Life-changing events that can trigger an IRMAA appeal (Form SSA-44)
  • Strategies to reduce IRMAA: Roth conversions, QCDs, income timing
  • How IRMAA interacts with Medicare Advantage plan premiums

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