Why people search for 2027 brackets now
IRMAA runs on a two-year lookback, so the income you earn in 2025 determines your 2027 premium. If you're planning Roth conversions, IRA withdrawals, or a property sale, you need to know where the 2027 cliffs are likely to fall before the year closes — long before the official numbers exist.
When the official numbers arrive
CMS announces each year's IRMAA brackets and Part B premium in the fall — typically November 2026 for the 2027 brackets. Until then, every "2027 bracket" figure (including ours) is a projection.
How the 2027 brackets are estimated
The first four IRMAA brackets are adjusted for inflation using the change in the CPI-U index over a 12-month period. The top bracket is currently frozen. A common way to project next year's thresholds is to apply expected CPI growth (often in the low single digits) to the current thresholds. For example, applying an illustrative ~3% inflation adjustment to the 2026 thresholds gives a rough sense of where 2027 cliffs may land — but the real figures depend on actual inflation data and could be higher or lower.
| 2026 threshold (Single) | Illustrative 2027 estimate* |
|---|---|
| $109,000 | ~$112,000 |
| $137,000 | ~$141,000 |
| $171,000 | ~$176,000 |
| $205,000 | ~$211,000 |
| $500,000 (frozen) | $500,000 |
*Illustrative only — a ~3% example applied to 2026 single-filer thresholds, rounded. Not official. Married-joint thresholds are roughly double. Replace with official CMS figures when published.
What to do in the meantime
Use the 2026 IRMAA calculator with your expected 2025 income to see which bracket you'd land in under today's thresholds. Since 2027 cliffs will sit slightly higher (with inflation), staying comfortably below a 2026 cliff is a safe planning buffer. We'll update this page with the official 2027 brackets the day CMS releases them.