Income-Related Monthly Adjustment Amount — full detail for your scenario.
Your 2026 income sets your 2028 Medicare premium.
Data verified Aug 2026· The Finance Buff — IRMAA threshold CPI-U projections (0% scenario)
Part D surcharge applies if enrolled in a Medicare Part D drug plan.
Part B + Part D · 3% discount · premiums held at current levels · crossing costs $10,090 more over 10 years
3% real discount · 10-yr horizon · one rate, no account-type differential
Income year → Medicare premium year (2-year lag)
Projected threshold increased vs. prior estimate. MAGI near the boundary may show a different tier here than in the 2027 row.
Projected estimate only. Tier boundaries are encoded at the 0% CPI scenario — the more conservative of the two scenarios the source publishes, not a worst case (deflation is possible). CMS confirms 2028 brackets in November 2027. Actual thresholds may be higher if inflation continues. Part B premium amounts for 2028 are estimated — set by CMS annual rulemaking, not derived from CPI. Projection source: The Finance Buff.
Based on your current MAGI, your 2029+ premiums will reflect your ongoing tier. CMS publishes confirmed 2028 brackets in November 2027.
2028 brackets: low confidence estimate. CMS publishes confirmed brackets in November. Threshold projections use the 0% CPI assumption (conservative). Part B premium amounts are set by CMS annual rulemaking and are not derived from CPI. Part D surcharge applies if enrolled in a Medicare Part D drug plan. The Finance Buff