IRMAA calculator
Your tierTier 1 of 5MAGI $218,001 to $274,000
Part B premium$284.10 a monthPer person. 2026 premiums, set by 2024 income.
IRMAA a year$2,296.80$95.70 a month per person, two people
Room before the next tier$44,000One dollar more adds $3,472.80 a year
With 2024 MAGI of $230,000, you each pay $284.10 a month for Part B in 2026 plus $14.50 for Part D, $1,148.40 a year each over the standard premium. You can add $44,000 of income before the next tier. Cutting MAGI by $12,000 would drop a tier and save $2,296.80 a year.