What will your Medicare Part A and Part B premium be?
Enter your Modified Adjusted Gross Income and filing status to estimate your monthly premium. The calculator handles the Income-Related Monthly Adjustment Amount (IRMAA) surcharge automatically.
Enter your MAGI above to see your estimated monthly premium.
Estimates use plan year 2025 CMS values. Your actual Social Security Administration determination letter is authoritative. Values refresh each November when CMS publishes next year’s premium and IRMAA brackets.
How this calculator works
Part A is premium-free for most beneficiaries who have 40+ quarters of Medicare-taxed work history (10 years or more). Partial credits mean a partial premium.
Part B uses a standard monthly premium that CMS adjusts annually. Higher-income beneficiaries pay an IRMAA surcharge on top of the standard premium. IRMAA is tiered by your Modified Adjusted Gross Income from two tax years prior to the plan year.
If you also enroll in Part D, the same IRMAA tiers apply as an additional surcharge on top of the Part D plan’s base premium.
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