The IRMAA can sneak up on you if you aren't careful. It only takes earning $1 above the threshold to trigger the surcharge. In 2026, that $1 of income would cost you, at minimum, an additional $1,148.40 annually in Medicare surcharges, consisting of $974.40 for Part B and $174 for Part D. That's just the first tier; there are four more.
The 2026 IRMAA income brackets and surcharges impact Medicare beneficiaries with income above $109,000 (for single tax filers and married people who file separately) and $218,000 (for joint filers). The maximum surcharge in 2026 is $6,936: an extra $5,844 for Part B and an extra $1,092 for Part D.
