Real ChatGPT answer · index seedEsjTAMKHQu4completeInsurance · Medicare plansinformational

What is the exact formula the government uses to calculate IRMAA surcharges for high income earners on Medicare?

ChatGPTgpt-62 queries11/1/2026
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The searches the AI actually ran for this prompt.

SEED QUERY
What is the exact formula the government uses to calculate IRMAA surcharges for high income earners on Medicare?
2 real searches · 1 real-search pass
2026 Medicare IRMAA income brackets Part B Part D official Social Security CMS MAGI two years priorGoogle ↗
OBSERVEDShort fact
Social Security IRMAA how calculated adjusted gross income tax exempt interest tax return two years prior officialGoogle ↗
OBSERVEDReason

Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.

Query classes

Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.

ChatGPT real searches (2)
Short fact50%Other / navigationalComparisonConsequenceReason50%DefinitionInstructionYes / no

Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.

Searches and sources

ChatGPT2 real searches · gpt-6
2026 Medicare IRMAA income brackets Part B Part D official Social Security CMS MAGI two years prior Google ↗
Social Security IRMAA how calculated adjusted gross income tax exempt interest tax return two years prior official Google ↗

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
2026 Medicare IRMAA income brackets Part B Part D official Social Security CMS MAGI two years prior
OBSERVED
Google ↗
AI Mode ↗
—Short fact——1x
of 1
Social Security IRMAA how calculated adjusted gross income tax exempt interest tax return two years prior official
OBSERVED
Google ↗
AI Mode ↗
—Reason——1x
of 1