2026 IRMAA brackets
| 2024 income, single | 2024 income, married filing jointly | Part B monthly premium | Part D added to your plan premium |
|---|---|---|---|
| $109,000 or less | $218,000 or less | $202.90 | $0 |
| $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 $499,999 | $410,001 to $749,999 | $649.20 | $83.30 |
| $500,000 or more | $750,000 or more | $689.90 | $91 |
Married people who file separately and lived with their spouse have different brackets. The 2027 brackets haven't been published yet. Try the IRMAA calculator.
How Social Security decides
- The IRS shares your tax data. Social Security gets your modified adjusted gross income from the IRS each year.
- Social Security sends a notice. If you owe IRMAA, you get a letter that explains the amount and how to ask for a new decision.
- It's added to your premiums. The Part B amount is usually deducted from your Social Security payment. The Part D amount is paid to Medicare, not to your drug plan, even if you're in a Medicare Advantage plan with drug coverage.
What Oklahomans should know
- One-time income can trigger it. Selling a business, farmland, mineral rights or other property, or a large IRA withdrawal, can push one year's income over a bracket. Plan big sales with your tax adviser.
- Retirement can lower it. If you stopped or cut back work, Social Security can use a more recent year. See how do I lower my IRMAA after I retire.
- It's federal. The brackets are the same in every state, and Social Security handles IRMAA, not any Oklahoma agency.
Get help
A licensed insurance agent who works with Benefits Life can explain how IRMAA affects the plans from the companies they work with, at no cost to you. You can request a call from a licensed insurance agent. See all 2026 amounts on Medicare costs in 2026.
Related questions
How do I lower IRMAA after I retire?
Form SSA-44.
How much is Part B in 2027?
Where the amounts stand.
How much does Medicare cost per month?
All the pieces.
Sources
- CMS — 2026 Medicare Parts A & B premiums and deductibles
- Social Security — Premiums: rules for higher-income beneficiaries
- Social Security POMS — HI 01101.010, IRMAA sliding scale tables
- Social Security — Request to lower an IRMAA
More questions in this guide
- Do I have to pay a premium for Medicare Part A?
- How do I lower my IRMAA after I retire?
- How much does Medicare cost per month in Oklahoma?
- How much is Medicare Part B in 2027?
- What is the Medicare Part D out-of-pocket cap for 2027?
Part of the guide: Medicare costs in 2026 for Oklahomans · All questions
Frequently asked questions
Which income does Social Security use for IRMAA?
Your modified adjusted gross income from the federal tax return two years before the premium year: your adjusted gross income plus tax-exempt interest. For 2026 premiums, that's usually your 2024 return. Your Oklahoma state return isn't used.
Is IRMAA a marginal tax?
No. IRMAA brackets are cliffs. If your income is even one dollar over a bracket's limit, you pay that bracket's full amount for the whole year.
How long does IRMAA last?
Social Security decides it again each year from your newest tax information. If your income falls, your IRMAA can drop or end the next year, or sooner if you report a life-changing event such as retirement.
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