This calculator returns your Medicare Part B and Part D premiums for your income and filing status, and tells you how far you are from the next threshold.
What will Medicare cost at your income?
Part B and Part D surcharges are a cliff, not a slope. One dollar over a threshold moves you a whole bracket. Social Security normally looks at the return you filed two years ago.
Part B and Part D amounts from the CMS fact sheet on 2026 premiums and deductibles and the Social Security Administration IRMAA tables (POMS HI 01101.020).
How it works
The premium is set from a two-year-old tax return
Medicare looks back two years. The premium you pay this year was decided by the income you reported two years ago, which means the decision that sets it has usually already been made by the time anyone looks at this. The useful direction is forward: what you do this year sets the premium two years from now.
| Single | Married filing jointly | Part B each | Part D surcharge |
|---|---|---|---|
| Up to $109,000 | Up to $218,000 | $202.90 | None |
| $109,001 to $137,000 | $218,001 to $274,000 | $284.10 | $14.50 |
| $137,001 to $171,000 | $274,001 to $342,000 | $405.80 | $37.50 |
| $171,001 to $205,000 | $342,001 to $410,000 | $527.50 | $60.40 |
| $205,001 to $500,000 | $410,001 to $750,000 | $649.20 | $83.30 |
| Over $500,000 | $750,000 and over | $689.90 | $91.00 |
It moves in steps, not slopes
The surcharge is a bracket. One dollar over a threshold moves you to the next tier for the whole year, for Part B and Part D, and for both spouses on a joint return. Married filing separately is not a middle case: a separate filer at a modest income can land in the fifth tier.
In New Jersey this compounds with the retirement income exclusion, because the same one-off income can cross both lines in the same year.
Questions
Common questions
Can a surcharge be appealed?
Yes, where a life-changing event has reduced your income since the year Medicare used. Retirement is one of them, and it is the step to take for someone whose premium was set from their final working year.
Check this against your own numbers.
What you do this year sets the premium two years from now, and in New Jersey the same income can cross two cliffs at once. We can cover it in a short conversation, at no charge and with no obligation.
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