What are the current income brackets for the 2028 IRMAA?

**Bottom-line 🏁:** For 2028, the Centers for Medicare & Medicaid Services (CMS) has **not yet published** the final Income-Related Monthly Adjustment Amount (IRMAA) brackets. The official thresholds won’t appear until late 2027, but CMS has released projected figures that most retirees should plan against today. --- ### What the 2028 IRMAA brackets look like (projected) 📊 | Filing Status | Projected MAGI Threshold | Projected Part B Surcharges | Projected Part D Surcharges | |---------------|-------------------------|-----------------------------|-----------------------------| | Single / Joint | ≤ $113,000 / ≤ $226,000 | $0 | $0 | | Single / Joint | $113,001 – $143,000 / $226,001 – $286,000 | ~$15.80/month | ~$190/year total | | Single / Joint | $143,001 – $179,000 / $286,001 – $358,000 | ~$40.60/month | ~$487/year total | | Single / Joint | $179,001 – $215,000 / $358,001 – $430,000 | ~$65.50/month | ~$786/year total | | Single / Joint | $215,001 – $500,000 / $430,001 – $750,000 | ~$90.20/month | ~$1,082/year total | | Single / Joint | ≥ $500,000 / ≥ $750,000 | ~$98.80/month | ~$1,186/year total | *Numbers and brackets are projections from Bullseye Retirement as of February 2026; CMS will confirm final 2028 amounts in late 2027*. --- ### Why this matters for your retirement plan 🧭 1. **Two-year look-back:** Your 2026 tax return (filed in 2027) sets the MAGI that triggers IRMAA for 2028. That means you still have time to influence your bracket through Roth conversions, QCDs, or timing large asset sales. 2. **Inflation lag:** CMS freezes the top IRMAA bracket for inflation until 2028, so the fifth tier won’t rise as fast as the others—creating a potential “cliff” effect once you cross it. 3. **Plan ahead:** Even without the official release, the projected brackets above give a realistic roadmap. Staying below the $113,000 single / $226,000 joint line avoids IRMAA altogether. --- ### Quick tip 💡 If your MAGI is hovering near the $113k/$226k line, consider “buffering” your income—e.g., delaying Social Security or accelerating tax-loss harvesting—to keep yourself firmly in the lowest tier. Small tweaks now can shave hundreds (even thousands) off your Medicare costs two years from now. --- Ready to test your planning skills: **Which strategy—Roth conversions, QCDs, or timing capital gains—fits best with your 2026 tax game plan?** 🤔📈