IRMAA brackets for 2027
CMS has not published them. Anyone showing you an exact 2027 threshold today is estimating — and the arithmetic they need does not exist yet. Here is what is actually known, what is still missing, and when the real numbers arrive.
What is known today
| Item | Status | Detail |
|---|---|---|
| Income that counts | Known | Your 2025 MAGI — already filed, already fixed |
| Part D national base premium | Published | $41.33 — CMS, 2026-07-28 |
| Top-tier floors | Fixed by statute | $500,000 / $750,000 — not indexed for 2027 |
| MAGI thresholds | Not published | Expected October-November 2026 |
| Standard Part B premium | Not published | Same release |
| Part B and Part D IRMAA amounts | Not published | Same release |
The Part D national average bid is the ONLY 2027 figure CMS has released. It is an input to late-enrollment-penalty math, not to the Part D IRMAA column, and it says nothing about the MAGI thresholds.
Why nobody can give you the number yet
The MAGI thresholds are indexed under Social Security Act §1839(i)(5), 42 U.S.C. §1395r(i)(5) using the Consumer Price Index for all urban consumers (CPI-U), United States city average, measured over the 12-month period ending with August of the preceding calendar year, versus the 12-month period ending with August 2018 (for years beginning with 2020).
For 2027 that means the 12-month average ending August 2026. The Bureau of Labor Statistics publishes the August figure in mid-September. Until then the final input to the formula does not exist — so an exact 2027 threshold cannot be computed by us, by CMS, or by any of the sites currently publishing one.
That is why their numbers disagree. Surveying pages ranking for this query, the first single-filer threshold is variously given as $109,000, $111,000, $112,000 and $113,000, and the joint figure as $222,000, $224,000 and $226,000. Each is a different unstated inflation assumption. None shows its working.
When BLS publishes the August 2026 CPI-U, we will compute the projection properly — against the statutory 2018 base, with the inputs shown — and publish it here. When CMS releases the official figures in October-November 2026, this page becomes the official table, dated and sourced.
Illustrative range, clearly labelled
You probably came here for a number, so here is the honest version: what the 2026 thresholds would look like at a few rates of increase. For scale, the thresholds actually rose 2.83% from 2025 to 2026 ($106,000 → $109,000 single).
These are arithmetic on the 2026 published thresholds at an assumed rate - NOT the statutory computation, which indexes against a 2018 base rather than year over year, and rounds once rather than twice. They show magnitude only. Treat them as a range, not a forecast.
| Tier | 2026 single (official) | at +0% | at +2% | at +3% |
|---|---|---|---|---|
| Standard | $109,000 | $109,000 | $111,000 | $112,000 |
| Tier 1 | $137,000 | $137,000 | $140,000 | $141,000 |
| Tier 2 | $171,000 | $171,000 | $174,000 | $176,000 |
| Tier 3 | $205,000 | $205,000 | $209,000 | $211,000 |
| Tier 4not indexed | $500,000 | $500,000 | $500,000 | $500,000 |
| Top tiernot indexed | $500,000 | $500,000 | $500,000 | $500,000 |
Joint thresholds are double the single figures at every tier except the top. The $500,000 and $750,000 top-tier floors are NOT indexed until calendar years beginning after 2027, so they do not move for 2027. Rolling every line forward by inflation produces a wrong top tier. The married-filing-separately floor moved DOWN from $394,000 (2025) to $391,000 (2026), so it does not track the same index as the other lines. We do not project it.
What you can actually act on
Your 2027 bracket is already decided. IRMAA runs on a two-year lookback, so 2027 is set by your 2025 return — filed, and no longer changeable. If that year included a Roth conversion, a property sale or a large withdrawal, the surcharge is coming regardless of what the thresholds turn out to be.
What is still open is 2028, which is set by the income you are earning right now. That is the year worth planning — see 2028.
If your income has since dropped because of a life-changing event — retirement, a spouse’s death, divorce, loss of a pension — you may be able to have the surcharge reduced using Form SSA-44, rather than waiting two years for it to unwind on its own. How that works.