Medicare Premium Cliff Estimator
Compare your baseline and additional-income scenario under the published 2026 Medicare premium table.
Interactive — edit any field
Income and Premium Years
Modified adjusted gross income is adjusted gross income plus tax-exempt interest; 2026 premiums generally use 2024 tax information.
Common mistakes to avoid
- Use the income year associated with the premium year.
- The married-filing-separately schedule depends on whether spouses lived apart throughout the tax year.
- Figures are per person and do not determine an appeal or Social Security adjustment.
Frequently asked questions
Does a withdrawal in 2026 change the displayed 2026 premium?
The scenario uses the 2026 reference table; a 2026 income action generally affects 2028 premiums, which this calculator does not forecast.
Is the Part D plan premium included?
The entered plan premium is included only when prescription drug coverage is selected.
Sources
We prioritize primary sources for rules, formulas, rates, limits, and definitions. See our calculator methodology and editorial policy.
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