2027 IRMAA Brackets: Release Date and What's Already Known
CMS hasn't published the 2027 Medicare IRMAA brackets yet. Here is when they usually come out, what the law already fixes, and what to check in your 2025 income now.
Updated 13 Oct 2026
As of October 13, 2026, CMS has not published the 2027 IRMAA brackets. They come out with the Part B premium, usually in early to mid November — the 2025 figures were released on November 8, 2024 and the 2026 figures on November 14, 2025. The 2027 surcharges will be set by your 2025 MAGI, and the Medicare Trustees project a 2027 standard Part B premium of $209.50 a month, up from $202.90.
What does this mean for you? Work out your own number: Medicare IRMAA calculator
Status, October 13, 2026: not published yet. CMS announces the IRMAA brackets in the same release as the standard Part B premium. That release came on November 8, 2024 for 2025 and on November 14, 2025 for 2026, so the 2027 table is most likely due in early to mid November 2026. This page will carry the official table as soon as it appears.
What is already certain
Your 2025 income decides your 2027 surcharge. IRMAA is based on modified adjusted gross income from the tax year that began two calendar years earlier (42 U.S.C. § 1395r(i)(4)), so the return most people filed in spring 2026 is the one that counts. Nothing you do in 2026 or 2027 can change that number — only an appeal on Form SSA-44 after a life-changing event can swap in a more recent year (see below).
The top bracket doesn’t move. The law keeps the $500,000 threshold for the highest bracket out of the yearly inflation adjustment until 2028 (§ 1395r(i)(5)(C)), so the top bracket should still start at $500,000 for single filers and $750,000 for joint filers in 2027 — the same as every year since 2019.
The other thresholds rise with inflation. Every other income line is increased each year by the change in the Consumer Price Index (CPI-U) and rounded to the nearest $1,000. CMS publishes the exact figures; we don’t publish our own estimates of them, because a $1,000 rounding difference is exactly the kind of mistake that matters to someone sitting near a line.
The shape stays the same. Single and joint filers still face five surcharge brackets; married people filing separately who lived with their spouse still face only three, with the second starting at the lowest threshold.
What the surcharges will roughly be
The surcharge amounts follow the standard premium: each bracket pays a fixed share of the cost of Part B coverage (35%, 50%, 65%, 80% and 85%, against 25% for everyone else). The 2026 Medicare Trustees Report projects a 2027 standard premium of $209.50. If CMS confirms that figure, the Part B surcharges on top of it would be roughly:
| Bracket | 2026 surcharge/mo | 2027, if the premium is $209.50 |
|---|---|---|
| 1st | $81.20 | about $84 |
| 2nd | $202.90 | about $210 |
| 3rd | $324.60 | about $335 |
| 4th | $446.30 | about $461 |
| 5th (top) | $487.00 | about $503 |
These are estimates from a projection, not CMS figures: CMS works from unrounded actuarial amounts, so even with a $209.50 premium its numbers can differ by a few dimes, and the final premium itself may come in higher or lower. Part D surcharges are set separately.
The 2026 brackets, for reference
| 2024 MAGI, single | 2024 MAGI, joint | Part B surcharge/mo |
|---|---|---|
| $109,000 or less | $218,000 or less | $0 |
| above $109,000 to $137,000 | above $218,000 to $274,000 | $81.20 |
| above $137,000 to $171,000 | above $274,000 to $342,000 | $202.90 |
| above $171,000 to $205,000 | above $342,000 to $410,000 | $324.60 |
| above $205,000 to $500,000 | above $410,000 to $750,000 | $446.30 |
| $500,000 or more | $750,000 or more | $487.00 |
The full table, including Part D and married filing separately, is in 2026 IRMAA brackets, explained.
What to check now
- Find your 2025 MAGI: the adjusted gross income on your 2025 Form 1040 plus any tax-exempt interest. Put it into the IRMAA calculator with the 2026 brackets to see roughly where you stand; the thresholds can rise but not fall, so if you’re under a 2026 line you’ll still be under it in 2027.
- If your income has dropped since 2025 because you retired, cut your hours, divorced or lost a spouse, you can ask Social Security to use a more recent year on Form SSA-44 once you get your IRMAA notice.