Medicare Part D
Medicare IRMAA thresholds for 2027 in Eagle, Idaho
EAGLE, Idaho — As Medicare's fall Annual Enrollment Period runs through Dec. 7, higher-income retirees in Ada County are getting a clearer picture of what they'll pay next year. For 2026, income-related monthly adjustment amounts — known as IRMAA — kick in for single filers with income above $109,000 and married couples filing jointly above $218,000. These surcharges add to the standard Part B and Part D premiums and are set by the Social Security Administration using your tax return from two years earlier.
Compare Medicare Part D options near you
Answer 3 quick questions to see Medicare Part D listings from licensed insurance partners.
What’s your ZIP code?
Plan availability is set by your county, so we start here.
How old are you?
This helps match you with options you’re eligible for.
Do you have Medicare Parts A & B?
This affects which Medicare Part D options you can choose.
These listings are provided by licensed insurance partners.
Will your prescriptions still be covered in 2027?
Part D plans rewrite their drug lists every year — tiers move, pharmacies change, drugs drop off. One call checks your exact medications against the 2027 plans in your area.
- Every prescription checked, name by name
- Your pharmacy checked for preferred pricing
Available now — current wait: 0 min
A real person answers. No phone menu, ever.
Advertising disclosure: MyMedicarePlans.org may be compensated when you contact a partner or licensed agent. Listings are not ranked or endorsed by us, and we do not recommend specific plans. You can also contact Medicare.gov, 1-800-MEDICARE, or your local SHIP.
Speak to a Licensed Insurance Agent
Click to call 855-729-3240Key takeaways
- IRMAA surcharges in 2026 begin above $109,000 for single filers and $218,000 for joint filers, based on 2024 tax returns.
- The surcharges apply to both Part B and Part D premiums and are billed separately for each.
- You can appeal an IRMAA determination if you've had a qualifying life-changing event, such as retirement, divorce, or the death of a spouse.
- Medicare's Annual Enrollment Period runs Oct. 15 through Dec. 7, and the Medicare Advantage Open Enrollment Period runs Jan. 1 through March 31.
If your income has changed, this is the season to understand how the brackets work — and what to do if a life event pushed your income temporarily higher.
What IRMAA is — and who it affects
IRMAA stands for Income-Related Monthly Adjustment Amount. It's an extra charge added to the standard Part B premium and, if you have Part D drug coverage, to your Part D premium as well. Most people with Medicare do not pay IRMAA — it applies only to a smaller share of beneficiaries whose income crosses the thresholds set each year.
The Social Security Administration looks at your modified adjusted gross income (MAGI) from your tax return two years back. So your 2027 IRMAA is based on your 2025 return.
The 2027 income thresholds
For 2026, the first IRMAA tier starts at:
- Single filers: more than $109,000
- Married filing jointly: more than $218,000
- Married filing separately: a much lower threshold applies, and the surcharge rises quickly
Income above these amounts is grouped into brackets, and each higher bracket carries a larger surcharge. The top bracket applies to single filers with income of $500,000 or more and joint filers at $750,000 or more. For the exact 2026 dollar amounts of each surcharge, the official source is medicare.gov, which publishes the full IRMAA table each year.
How you'll be notified — and billed
If IRMAA applies to you, Social Security mails a predetermination notice, usually late in the year, explaining which bracket you fall into and what your total Part B and Part D premiums will be.
- Your Part B IRMAA is added to your Part B premium, typically deducted from your Social Security check.
- Your Part D IRMAA is billed separately by Medicare, even if your drug plan premium is normally paid to a private insurer. This surprises a lot of people the first year.
If your income has dropped, you can appeal
IRMAA uses old tax data, so it doesn't automatically reflect a recent retirement or other big life change. Social Security allows you to request a new determination if you've had a life-changing event, including:
- Retirement or work stoppage
- Marriage, divorce, or death of a spouse
- Loss of pension income
- Involuntary loss of income-producing property
You file Form SSA-44 with documentation. If approved, Social Security uses your more recent, lower income to recalculate. It's worth doing — many Eagle-area readers who recently stopped working qualify but don't realize it.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
By the numbers
How people get Medicare in Ada County
(MA penetration in Ada County)
MA penetration from CMS enrollment data; Medigap share is an estimate. U.S. average is about 54% Medicare Advantage. These are area-level figures, not plan-specific.
How this fits into 2027 Medicare changes
IRMAA isn't the only thing shifting for 2027. Part D drug coverage has a $2,400 annual out-of-pocket cap in 2027 (up from $2,100 in 2026), and the maximum Part D deductible is $700 in 2027 (up from $615 in 2026). The old coverage gap ("donut hole") was eliminated in 2025, leaving three simpler phases of drug coverage. Beneficiaries can also opt into the Medicare Prescription Payment Plan to spread drug costs across the year in level monthly amounts.
For Eagle residents, plan availability is set at the county level. Eagle is in Ada County, where a range of stand-alone Part D plans and Medicare Advantage plans with drug coverage are offered — but IRMAA applies regardless of which plan you choose. The surcharge follows you, not the plan.
Where to get personal help
Because IRMAA is tied to your specific tax situation, general articles can only take you so far. For personalized answers:
- Visit medicare.gov for the current-year IRMAA tables and Part B/Part D information.
- Call 1-800-MEDICARE (1-800-633-4227), 24/7.
- Contact Idaho SHIBA, the state's free State Health Insurance Assistance Program, for one-on-one counseling with a trained volunteer — at no cost.
- Contact your local Social Security office to appeal an IRMAA determination or submit Form SSA-44.
Higher-income surcharges
2027 IRMAA income brackets
If your income is above a threshold, you pay an income-related surcharge (IRMAA) on top of your Part B and Part D premiums. Your 2027 surcharge will be based on your 2025 tax return. CMS publishes the 2027 brackets later in the fall.
| Income — single filer | Income — married, joint | Part B monthly premium | Part D surcharge |
|---|---|---|---|
| $109,000 or less | $218,000 or less | $202.90 | Plan premium only |
| $109,001 – $137,000 | $218,001 – $274,000 | $284.10 | + $14.50 |
| $137,001 – $171,000 | $274,001 – $342,000 | $405.80 | + $37.40 |
| $171,001 – $205,000 | $342,001 – $410,000 | $527.50 | + $60.40 |
| $205,001 – $500,000 | $410,001 – $750,000 | $649.30 | + $83.30 |
| Above $500,000 | Above $750,000 | $689.90 | + $91.00 |
Standard Part B premium is $202.90/month. Part D surcharges are added to your drug plan’s premium. Married-filing-separately uses a different, compressed schedule. Confirm current amounts at Medicare.gov.
Try it
Find your 2026 Medicare premium
Most people pay the standard Part B premium. If your 2024 income was higher, an income-related surcharge (IRMAA) applies. Enter your details to see your bracket.
Surcharges are added to your premiums and based on your 2024 tax return. Married-filing-separately uses a different schedule. Confirm at Medicare.gov.
Try it
How the 2026 Part D drug cap works
Slide to your estimated yearly prescription costs and see how the new $2,100 out-of-pocket cap protects you. This illustrates the standard Part D benefit; your plan may structure costs differently.
Once your out-of-pocket spending on covered drugs reaches $2,100, you pay nothing more for the rest of 2026. Confirm details at Medicare.gov.
Good to know
Frequently asked questions
Does everyone on Medicare pay IRMAA?
Why would Medicare use my 2025 income for my 2027 premium?
Is the Part D IRMAA the same as my drug plan premium?
When do the 2027 IRMAA amounts take effect?
- CMS — Medicare costs & IRMAA (medicare.gov)
For personalized answers, contact Medicare.gov, 1-800-MEDICARE, or your local SHIP.
Content Integrity Standards
- No invented figures. Program-level numbers come from CMS / Medicare.gov; we never use placeholder data.
- No plan rankings or recommendations. This is educational content. We don't rank, score, or recommend specific plans.
- AI-assisted, human-reviewed. Articles are produced with AI-assisted tools and reviewed by the responsible desk before publishing.
- Inline sourcing. Facts and figures are cited to primary sources — CMS, SSA, and Medicare.gov.
- Correction transparency. We fix errors openly and note when a page was last updated.
- Not a government site. MyMedicarePlans.org is privately owned and not affiliated with or endorsed by Medicare or any government agency.
This page was last updated: October 6, 2026.