The 2027 IRMAA brackets are the income lines that trigger Medicare surcharges. The Centers for Medicare & Medicaid Services (CMS) has not published them yet, so this page uses projections, not official figures. Your 2025 income determines your 2027 IRMAA tier. The first line is projected near $112,000 for single filers and $224,000 for joint filers.
The 2027 thresholds are tied to inflation, calculated from the consumer price index. As of August 2026, ten of the twelve monthly inflation readings were known. This page names two independent trackers, and they do not quite match. On the first line, they differ by about $1,000 for single filers and $2,000 for joint filers.
To use the page, find your 2025 modified adjusted gross income, which means adjusted gross income plus tax-exempt interest, and your tax filing status. If your income is close to a projected line, treat that line as uncertain until CMS publishes the official figures.
Revised: 9/8/26
Jason Baar
Fee-Only Medicare Advisor
NPN #2033715
See how the 2026 IRMAA brackets work, why Medicare looks back two years, and which planning moves can help you stay under the lines. The guide offered here is the 2026 edition, and a 2027 edition will follow when CMS publishes the official figures. No email address or form.
The long answer
Projected 2027 IRMAA brackets and Medicare premiums
The table puts both trackers' projected thresholds side by side and shows the projected Medicare Part B premium for each tier.
| Projected 2027 tier | 2025 income, single (The Finance Buff) | 2025 income, joint (The Finance Buff) | 2025 income, single (Medigap Advisors) | 2025 income, joint (Medigap Advisors) | Projected Part B premium per month (Medigap Advisors) |
|---|---|---|---|---|---|
| Standard, no surcharge | $112,000 or less | $224,000 or less | $111,000 or less | $222,000 or less | $218.60 |
| Tier 1 | $112,001 to $141,000 | $224,001 to $282,000 | $111,001 to $140,000 | $222,001 to $280,000 | $306.00 |
| Tier 2 | $141,001 to $176,000 (or $177,000) | $282,001 to $352,000 (or $354,000) | $140,001 to $175,000 | $280,001 to $350,000 | $437.20 |
| Tier 3 | $176,001 to $211,000 (or $212,000) | $352,001 to $422,000 (or $424,000) | $175,001 to $210,000 | $350,001 to $420,000 | $568.40 |
| Tier 4 | $211,001 to $499,999 | $422,001 to $749,999 | $210,001 to $499,999 | $420,001 to $749,999 | $699.50 |
| Tier 5 | $500,000 or more | $750,000 or more | $500,000 or more | $750,000 or more | $743.20 |
Sources for the table are The Finance Buff, updated August 12, 2026, and Medigap Advisors, published July 12, 2026. No tracker projects separate 2027 Medicare Part D surcharge amounts. The official CMS figures will replace this table when CMS publishes them.
Projected 2027 standard Medicare Part B premium
Medigap Advisors projects the 2027 standard Medicare Part B premium at about $218.60 a month. For comparison, the 2026 standard Medicare Part B premium is $202.90 from CMS. Medigap Advisors says its 2027 premium projection is based on inflation data and the Medicare Trustees Report.
What to do now
Your 2025 tax return is already filed, so your 2027 IRMAA tier is mostly set. If your 2025 income is within a few thousand dollars of a projected line, do not assume which side of the line you are on until CMS publishes the official figures.
If a life event such as retirement lowered your income after 2025, SSA-44 IRMAA Appeal Form: Lower Your Medicare Surcharge, free at ssa.gov/forms, asks Social Security to use current income instead. Your 2026 income sets your 2028 IRMAA tier. That is where planning moves still apply.
Printed from JasonKnowsMedicare.com — “IRMAA Brackets 2027: Projected Figures Until CMS Publishes”. The free IRMAA Planning Guide is available at JasonKnowsMedicare.com/pages/free-medicare-guides · Questions: (850) 810-1000
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This page is educational information, not personal financial, tax, or legal advice. For decisions about your own situation, talk with a qualified professional.