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IRMAA Report

Know Your
Exposure Now

The IRMAA Report gives you a clear, personalized educational summary of your estimated Medicare surcharge exposure, so you understand where you stand before the bill arrives.

See Report Options

For educational purposes only. Not financial or tax advice.

Your IRMAA Report

Educational Summary: 2026

Filing StatusMarried, Filing Jointly
Income Year Used2024 (2-yr lookback)
Estimated MAGI$295,000
IRMAA TierTier 2 (above base)
Part B Surcharge Est.+$202.90/mo each
Part D Surcharge Est.+$37.50/mo each
Annual Extra Cost Est.~$5,770/yr extra combined
Appeal Eligible?Review recommended
Report Options

Choose your path to clarity.

Two options. Both for educational purposes. One for the individual, one for those who want expert guidance alongside their report.

Coming Soon
Individual Report
IRMAA Report Essential
Your personalized educational summary
$25
One-time · Instant delivery
✓Estimated IRMAA tier based on your inputs
✓Part B and Part D surcharge estimates
✓Two-year lookback explanation
✓Annual cost impact summary
✓Educational overview of your exposure
✓Optional advisor referral
✓And more!
Get Essential Report

Educational only · Not financial advice

Coming Soon
With Advisor Connection
IRMAA Report Pro
Your report plus an advisor
$0
Free for you · Connect with an advisor
✓Everything in Essential, plus:
✓Priority matching with a qualified financial advisor
✓Advisor reviews your full report with you
✓Personalized planning conversation
✓No cost to you, advisor covers the connection fee
✓And much more!
Get Pro Report: Free

Educational only · Not financial advice

What you get

Clear answers. No jargon.

Every report is generated based on your inputs and presented in plain language, so you can understand your exposure and have an informed conversation with your financial advisor.

Your IRMAA Tier

Based on your estimated MAGI and filing status, we identify which 2026 IRMAA bracket applies to you and what that means in dollars.

Monthly and Annual Cost

See your estimated Part B and Part D surcharges as both a monthly add-on and an annual total, so the real impact is visible.

Lookback Explanation

We explain which income year is driving your current surcharge and how the two-year lookback works in your specific situation.

Threshold Proximity

Know how close you are to the next IRMAA tier, whether up or down. Even a small income change can jump you to the next bracket.

Educational Overview

A plain-language overview of planning approaches worth exploring with your advisor, including QCDs, Roth strategies, withdrawal sequencing, and more.

Advisor Connection

If you would like expert help acting on your report, we can connect you with a financial advisor in our network who specializes in Medicare income planning.

For Advisors

Are you a financial advisor?

Our IRMAA calculator was built for advisors who want to deliver fast, accurate IRMAA education to clients and turn that conversation into a planning opportunity.

Access IRMAA calculator and client reporting tools through a subscription, or go further with our advisor platform: CRM, automated workflows, and a complete marketing stack built for running a modern advisory practice.

✓Advanced multi-variable IRMAA calculator
✓Downloadable client-facing PDF reports
✓Lead generation program access
✓Annual bracket update notifications
✓And much more!
Get Advisor Access

Advisor Program Highlights

$0

Cost to clients

2026

Brackets updated

Instant

Report delivery

Our professional platform is built for advisors who want to add IRMAA education and analysis to their client service offering, without the overhead of building it themselves.

Advisor tools are for professional, educational use only.