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2026 figures
2026 Medicare IRMAA Calculator for Arizona
Higher-income households pay more for Part B and Part D through IRMAA, the income-related monthly adjustment amount. It is based on your tax return from two years ago. Enter that income and your filing status to see your 2026 bracket and premium.
In clients' words
What working with Viola looks like
I’m very happy I went to Viola at Rise up Benefits Group for my Medicare enrollment. I was inundated with mail and way too much information. I have been with Champ VA for 9 years so it gets confusing what to sign up for without losing those benefits as they become secondary. Viola explained everything and picked out the best option for me. I highly recommend her as it made this transition very smooth.
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Estimates only. Estimates only. Figures on this page use published plan-year values and the details you enter. They are not a quote, an offer of coverage, or a determination of eligibility. Your final premium and any tax credit are confirmed at enrollment with the carrier or HealthCare.gov. Everything is calculated in your browser; nothing you type is sent to us or anyone else.
What this assumes
- Uses the 2026 Part B premiums and IRMAA brackets published by CMS, based on your 2024 modified adjusted gross income.
- Premium amounts are the exact figures CMS publishes for each bracket.
- Married filing separately has its own, stricter brackets. This calculator covers single and joint filers.
- The Part D surcharge is added on top of whatever your Part D or Medicare Advantage drug plan charges.
- Income dropped because you retired or another life change happened? You can ask Social Security to use the newer figure (form SSA-44).
- CMS announces the 2027 amounts around November 2026.
- An estimate from published figures and the numbers you enter, not a quote or an eligibility decision.
Where the figures come from
- CMS 2026 Medicare Part B premium, deductible and IRMAA amounts Centers for Medicare & Medicaid Services, 2026
Talk it through with Viola
An estimate is a starting point. Viola Lucero, CLTC, and the team at Rise Up Benefits Group in Chandler can look up the real figures for your situation, check your doctors and prescriptions, and explain what the numbers mean for you. We speak insurance, so you don't have to.
Or see real 2027 Medicare plans for your ZIP code:
Rise Up Benefits Group is not connected with or endorsed by the United States government or the federal Medicare program. Medicare has neither endorsed nor reviewed this information.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Common questions
What income triggers IRMAA in 2026?
Modified adjusted gross income above $109,000 for a single filer or $218,000 for a joint return, taken from your 2024 tax return.
Why does 2026 IRMAA use my 2024 income?
Social Security uses the most recent tax return the IRS has, which is usually from two years earlier.
Can I appeal IRMAA if my income went down?
Yes, after certain life-changing events such as retirement, a reduction in work hours, or the death of a spouse. You file form SSA-44 with Social Security and ask them to use the newer income.
Does IRMAA apply to Part D and Medicare Advantage drug coverage too?
Yes. An extra Part D amount is added at the same income levels, on top of what your drug plan or Medicare Advantage plan charges.
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2160 North Alma School Road, Suite 102, Chandler, AZ 85224 · (480) 300-5776