Many Americans have dedicated decades of their lives to building a secure retirement. We have worked hard, saved diligently, invested responsibly, and followed sound financial advice to provide financial security for ourselves and our families. Yet the current Medicare Income-Related Monthly Adjustment Amount (IRMAA) thresholds increasingly penalize retirees for doing exactly that.

Medicare IRMAA Income Thresholds — 2026
Individual income: $109,000 or less
Married filing jointly: $218,000 or less
Part B: $202.90/month | Part D surcharge: $0

Individual income: $109,001–$137,000
Married filing jointly: $218,001–$274,000
Part B: $284.10/month | Part D surcharge: $14.50/month

Individual income: $137,001–$171,000
Married filing jointly: $274,001–$342,000
Part B: $405.80/month | Part D surcharge: $37.50/month

Individual income: $171,001–$205,000
Married filing jointly: $342,001–$410,000
Part B: $527.50/month | Part D surcharge: $60.40/month

Individual income: over $205,000 but under $500,000
Married filing jointly: over $410,000 but under $750,000
Part B: $649.20/month | Part D surcharge: $83.30/month

Individual income: $500,000 or more
Married filing jointly: $750,000 or more
Part B: $689.90/month | Part D surcharge: $91.00/month

2027 IRMAA Thresholds (Projected)
Individual: $112,000
Married filing jointly: $224,000

The 2027 figures are projections, not official thresholds. Part D surcharges are additional to regular prescription drug plan premiums.

In 2026, crossing the first IRMAA threshold can increase combined Part B and Part D costs by $1,148.40 annually.

Medicare IRMAA was created to require higher-income beneficiaries to contribute more toward their Medicare premiums. However, despite inflation adjustments, the current income thresholds do not adequately reflect rising living expenses, essential healthcare costs, and the financial realities facing today's retirees.

We urge Congress to modernize IRMAA by raising the income thresholds to $500,000 for individuals and $1,000,000 for married couples filing jointly. We also ask that these thresholds be indexed for inflation so they remain fair and relevant for future generations.

Raising the thresholds would encourage responsible retirement planning, protect financial independence, and better reflect today's economic conditions. Retirees should not be discouraged from saving, investing, or taking required distributions from retirement accounts because of the fear of significantly higher Medicare premiums.

By updating IRMAA, Congress can create a fairer Medicare system that recognizes the difference between financial responsibility and extraordinary wealth. Americans who have planned carefully for retirement should be able to enjoy the security they worked a lifetime to achieve.

Please sign this petition and urge Congress to raise Medicare IRMAA thresholds to $500,000 for individuals and $1,000,000 for married couples filing jointly, while indexing those thresholds for inflation going forward.

Retirement should reward a lifetime of hard work and responsible saving, not result in higher Medicare penalties.