Medicare Part D
2027 Medicare IRMAA Brackets — Broken Arrow, OK
BROKEN ARROW, Okla. — If your income has climbed in the last couple of years — from a home sale, a Roth conversion, or a strong year of investments — you may open your 2026 Medicare mailbox to a surprise. Higher-income beneficiaries pay an extra amount on top of their standard Part B and Part D premiums, called the Income-Related Monthly Adjustment Amount, or IRMAA. For 2026, those surcharges start once a single filer's income tops $109,000, and the letters go out this winter.
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Click to call 855-729-3240Key takeaways
- For 2026, IRMAA surcharges start once a single filer's income tops $109,000, based on 2024 tax returns.
- IRMAA is an extra charge added to Part B and Part D premiums, not a penalty, and only affects roughly 8% of Medicare beneficiaries.
- Crossing an income threshold by even $1 moves you into the next surcharge tier, with no gradual phase-in, though a "life-changing event" like retirement may qualify you to appeal using form SSA-44.
- Oklahoma's SHIP program (SHICP) offers free, unbiased help understanding an IRMAA letter and appeal rights, and you should keep paying premiums while any appeal is pending.
Here's what Broken Arrow readers need to know before the numbers hit their bank accounts.
What IRMAA Actually Is
IRMAA is not a penalty. It's an extra monthly charge added to your Medicare Part B premium and, if you have drug coverage, your Part D premium. Social Security uses your tax return from two years ago — so your 2027 IRMAA is based on your 2025 income — to decide whether you owe it.
Most people with Medicare don't pay IRMAA at all. It only applies to the roughly 8% of beneficiaries whose modified adjusted gross income (MAGI) crosses the thresholds set each year by the Centers for Medicare & Medicaid Services (CMS).
The 2027 Income Thresholds
For 2026, IRMAA kicks in above these MAGI levels (based on your 2024 tax return):
- Single filers: more than $109,000
- Married filing jointly: more than $218,000
- Married filing separately (lived with spouse): more than $106,000
From there, the surcharge climbs through five tiers. The highest tier applies to single filers with MAGI at or above $500,000 and joint filers at or above $750,000. The exact dollar surcharge for each tier is posted on Medicare.gov once CMS finalizes 2026 premiums.
The important takeaway: crossing a threshold by even $1 bumps you into the next tier. There's no gradual phase-in.
Why This Matters Right Now
Broken Arrow sits in Tulsa County, where thousands of residents are working through their Medicare choices during the Annual Enrollment Period (Oct. 15 – Dec. 7). If you're picking a Part D drug plan or a Medicare Advantage plan that includes drug coverage, remember that the Part D IRMAA is charged in addition to whatever premium the plan lists. That surcharge is billed by Medicare, not the plan.
A few other numbers worth keeping in your head as you compare coverage:
- Part D out-of-pocket cap: $2,100 in 2026 ($2,400 in 2027) (new, lower than 2025)
- Part D maximum deductible: $615 in 2026 ($700 in 2027)
- The old "donut hole" coverage gap is gone — drug coverage now has three phases
- The Medicare Prescription Payment Plan lets you spread drug costs across the year in monthly installments
How to Decide What to Do About It
If you think an IRMAA letter may be coming — or already arrived — here's a plain checklist:
1. Check which tax year they're using. Your 2027 IRMAA uses your 2025 MAGI. If Social Security used a different year, respond in writing.
2. See if you qualify for a "life-changing event" appeal. You can ask Social Security to use more recent income if you had a qualifying event, including:
- Retirement or work stoppage
- Death of a spouse
- Marriage or divorce
- Loss of pension income
- Loss of income-producing property (not from a market drop)
The form is SSA-44, available at ssa.gov. A one-time Roth conversion or a home sale, by itself, is not a life-changing event — but a genuine retirement in the same year often is.
3. Plan future income with the two-year lookback in mind. If you're 63 or 64 and considering a large Roth conversion or capital gain, know that the income can echo forward to your Medicare premium two years later.
4. Don't stop paying while you appeal. If you dispute the surcharge, keep premiums current so your coverage isn't interrupted.
Where to Get Local Help in Broken Arrow
Oklahoma's SHIP program — called the Senior Health Insurance Counseling Program (SHICP) — offers free, unbiased Medicare help. Counselors can walk through an IRMAA letter with you, explain your appeal rights, and help you compare drug plans without trying to sell you anything.
- Oklahoma SHICP: 1-800-763-2828
- Medicare: 1-800-MEDICARE (1-800-633-4227), 24/7
- Social Security (for IRMAA appeals): 1-800-772-1213
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 Tulsa County
(MA penetration in Tulsa 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.
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. The 2027 brackets have not been published yet; CMS usually announces them in November. The 2026 brackets shown here are based on your 2024 tax return.
| 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
Q: I retired last year and my income dropped a lot. Do I still owe IRMAA in 2027?
Q: Does IRMAA come out of my Social Security check?
Q: If my spouse and I file jointly but only one of us has Medicare, do we both count toward the threshold?
- CMS — Medicare costs & IRMAA (medicare.gov)
For personalized answers, contact Medicare.gov, 1-800-MEDICARE, or your local SHIP.