Medicare Part D
2027 Medicare IRMAA Brackets — Clarksville, TN
CLARKSVILLE, Tenn. — As Medicare's Annual Enrollment Period runs through Dec. 7, higher-income retirees are getting a fresh look at the surcharge that quietly raises their premiums each year. In 2026, an extra charge called IRMAA — the Income-Related Monthly Adjustment Amount — kicks in for individuals reporting more than $109,000 in modified adjusted gross income, and for married couples filing jointly above $218,000.
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
- Medicare's Annual Enrollment Period runs through Dec. 7, and the IRMAA surcharge for 2026 kicks in for individuals earning more than $109,000 or married couples filing jointly earning more than $218,000.
- Your 2027 surcharge will be based on your 2025 tax return, and crossing an income bracket by even one dollar moves you into the next surcharge tier for the entire year with no gradual phase-in.
- Part D continues to evolve in 2027: the out-of-pocket cap on covered prescriptions is $2,400 in 2027 (up from $2,100 in 2026), the coverage gap remains eliminated, and the maximum deductible is $700 in 2027 (up from $615 in 2026). The Part D IRMAA still adds on top of your plan's premium.
- If you've had a life-changing event like retirement, a spouse's death, divorce, or job loss, you can file form SSA-44 with Social Security to have your IRMAA recalculated based on your current income instead of your 2024 return.
Higher earners will pay a Part B and Part D surcharge in 2027 — here's where the lines fall
If that's you, or if a one-time event (a home sale, a Roth conversion, a bonus) pushed your 2025 taxes higher than usual, this is the piece to read before you finalize any coverage decisions this fall.
What IRMAA is, in plain English
IRMAA is not a separate bill you sign up for. It's an add-on to your standard Medicare Part B premium and, if you have prescription drug coverage, your Part D premium. Social Security calculates it automatically using your IRS tax return from two years earlier. So your 2027 surcharge is based on your 2025 income.
The important thing to understand: IRMAA is a "cliff." Cross a bracket by even one dollar, and you move into the next surcharge tier for the whole year. There's no gradual phase-in.
The 2027 income thresholds
For 2026, the surcharge begins above these modified adjusted gross income (MAGI) levels:
- Single filers: above $109,000
- Married filing jointly: above $218,000
- Married filing separately: a much lower threshold applies, and surcharges rise quickly
From there, IRMAA is tiered. Income moves through several brackets, with the highest surcharges hitting single filers above $500,000 and joint filers above $750,000. Each bracket adds a set dollar amount to both the Part B premium and the Part D premium. The exact 2026 dollar figures for each tier are posted on medicare.gov as CMS finalizes them.
Why this fall feels different
Two things are converging that make the surcharge conversation more urgent for 2027:
1. Part D continues to be restructured. The out-of-pocket cap on covered prescriptions is $2,400 in 2027 (compared with $2,100 in 2026), the coverage gap ("donut hole") remains gone, and the maximum Part D deductible is $700 in 2027 (compared with $615 in 2026). That's continued relief on the drug side — but the Part D IRMAA still stacks on top of whatever premium your plan charges. 2. Higher-income retirees are being hit from both sides. If your 2025 income was elevated by required minimum distributions, capital gains, or a large IRA withdrawal, you may see a surcharge for the first time in 2027 even if your day-to-day income feels modest now.
If your income has dropped, you can appeal
This is the part most people miss. If you've had a "life-changing event" — retirement, the death of a spouse, divorce, loss of a pension, or a work stoppage — you can ask Social Security to recalculate your IRMAA using your current income instead of your 2025 return.
The form is SSA-44, "Medicare Income-Related Monthly Adjustment Amount – Life-Changing Event." You submit it to Social Security with documentation (a retirement letter, a death certificate, a divorce decree). If approved, the surcharge is reduced or removed for the year in question.
Not every income drop qualifies. A bad year in the stock market, for example, is not a life-changing event under the rules. But retirement almost always is.
What Clarksville-area readers should do this fall
Clarksville is in Montgomery County, where Medicare beneficiaries have a range of Part D and Medicare Advantage options during Annual Enrollment. IRMAA applies the same way in every county — it's federal — but the Part D plan you pick still matters, because the surcharge is added to that plan's base premium.
A few practical steps before Dec. 7:
- Pull your 2024 tax return and check your MAGI against the thresholds above.
- If you're close to a bracket line, ask a tax professional whether any 2026 planning moves (charitable distributions from IRAs, timing of income) can help for future years.
- If you've had a life-changing event, download SSA-44 from ssa.gov and get it filed.
- Compare Part D plans on the Medicare Plan Finder at medicare.gov, remembering that any IRMAA is added on top of the plan's listed premium.
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 Montgomery County
(MA penetration in Montgomery 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
2026 IRMAA income brackets (2027 figures pending) (2027 figures pending)
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. The brackets below are the 2026 figures; 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 IRMAA go away if my income drops next year?
Is the Part B IRMAA and the Part D IRMAA the same amount?
How do I actually pay the Part D surcharge?
- CMS — Medicare costs & IRMAA (medicare.gov)
For personalized answers, contact Medicare.gov, 1-800-MEDICARE, or your local SHIP.