CMS-Based Medicare Tool

IRMAA Guard — Medicare Premium Surcharge Early Warning System

Show exactly where someone sits in the 2026 IRMAA brackets, what a Roth conversion or home sale could do to Medicare premiums, and how the two-year MAGI lookback changes the timing.

Official 2026 CMS bracket thresholds
Roth conversion and home-sale what-if testing
Two-year lookback timing explained clearly
Retirement Shield Tool
Step 1 of 3
See your Medicare surcharge risk before it hits.
This tool uses 2026 official CMS IRMAA brackets to show the current tier, the next threshold, and what common income events would do to Part B and Part D costs.
Step 1 of 3
Whose Medicare premiums are we checking?
These fields drive the bracket table and the lookback timing shown in the saved report.
2026 premiums normally look back to 2024 MAGI.
Why this matters
IRMAA is one of the clearest examples of a tax number directly changing a healthcare bill.
What this catches
Roth conversions, home sales, and other income spikes that quietly push Medicare costs higher later.
What comes later
Live annual threshold updates and deeper tax-aware planning integrations.
Step 2 of 3
What MAGI are we testing against the 2026 brackets?
Use approximate modified adjusted gross income for the lookback year. The tool will map it to the correct Part B and Part D tier.
Step 3 of 3
What one-time income events should we test?
These are the classic IRMAA traps: a Roth conversion, a large capital gain, or a home sale that changes MAGI for the lookback year.
Building Your IRMAA Guard Report
Checking the current bracket, the next threshold, and the what-if surcharge changes.
1
Matching the filing status to the correct 2026 CMS IRMAA table...
2
Calculating current Part B and Part D IRMAA tier placement...
3
Testing Roth conversion and home-sale gain scenarios against the thresholds...
4
Explaining the two-year lookback and saving the report to your portal...
2026 CMS IRMAA Review
IRMAA Guard
A saved Medicare surcharge report showing the current bracket, what-if triggers, and lookback timing.
Prepared for —
County frame —
Generated —
Medicare premiums can jump later because of income you recognize now.
This report uses the official 2026 CMS IRMAA thresholds to show where the household sits now and how quickly one-time income events can change the premium tier.
Current Tier
You are currently in bracket —
The report headline appears here with the annual surcharge implications.
Current Total Part B Premium
$0
Monthly premium at the current 2026 IRMAA tier
Current Part D IRMAA
$0
Monthly Part D surcharge on top of the plan premium
Room Before Next Tier
$0
Approximate MAGI room left before the next 2026 threshold
Section 1
Current and What-If IRMAA Outcomes
This compares the current MAGI with a Roth conversion scenario and a home-sale / capital-gain scenario using the same 2026 CMS brackets.
2026 premium year
Section 2
Comparison Points
These are the three practical numbers that matter most in planning conversations.
Summary
IRMAA lookback timing
A plain-English explanation of when a MAGI change is likely to affect Medicare premiums.
Your IRMAA timing summary will appear here.
Print tip: use “Save as PDF” with background graphics enabled for the cleanest export.

Important Disclosures: This IRMAA tool is for educational purposes only and does not constitute tax, legal, healthcare, or financial advice. The 2026 threshold data in this report is based on the official CMS release dated November 14, 2025. Actual Medicare premium liability can depend on Social Security Administration determinations, appeal rights, amended returns, life-changing-event exceptions, and plan-specific Part D premiums. Always confirm final premium consequences with Medicare, SSA, or a qualified advisor before acting. Source: CMS 2026 Medicare Parts A & B Premiums and Deductibles fact sheet published November 14, 2025.