Key figures for 2027
Every figure below comes from the agency that sets it, and it is the same number our calculators use. Each is listed with its source on our methodology page. Figures marked “projected” aren’t official yet.
Social Security
From the SSA 2027 COLA fact sheet, announced October 14, 2026.
| Figure | 2026 | 2027 |
|---|---|---|
| Cost-of-living adjustment (COLA) | 2.8% | 3.6% |
| Average retired-worker benefit, January 2027 (SSA estimate) | $2,095 before the COLA | $2,170 after it |
| Maximum earnings taxed by Social Security | $184,500 a year | $192,300 a year |
| Earnings limit before full retirement age | $24,480 a year | $25,560 a year |
| Earnings limit in the year you reach full retirement age | $65,160 a year | $67,920 a year |
| Earnings for one Social Security credit (up to 4 a year) | $1,890 | $1,970 |
| Maximum benefit at full retirement age | $4,152 a month | $4,188 a month |
| SSI federal payment, individual | $994 a month | $1,029 a month |
| SSI federal payment, couple | $1,491 a month | $1,544 a month |
| Substantial gainful activity (disability), non-blind | $1,690 a month | $1,770 a month |
| Substantial gainful activity (disability), blind | $2,830 a month | $2,950 a month |
| Trial work period month (disability) | $1,210 a month | $1,270 a month |
Medicare
The 2026 amounts are from the CMS 2026 fact sheet. The 2027 amounts are the projections in the 2026 Medicare Trustees Report. CMS usually announces the official figures in November, and this page updates when it does.
| Figure | 2026 | 2027 |
|---|---|---|
| Part B standard monthly premium | $202.90 | $209.50 (projected) |
| Part B yearly deductible | $283 | $292 (projected) |
Federal income tax, 2026 tax year
From IRS Rev. Proc. 2025-32, the 2025 tax law and IRS Publication 915. The IRS publishes the 2027 brackets and standard deduction in the fall; our tax brackets page adds them the day they’re out.
| Figure | 2026 |
|---|---|
| Standard deduction, single | $16,100 |
| Standard deduction, married filing jointly | $32,200 |
| Extra standard deduction at 65 or older | $2,050 single, $1,650 per married person |
| Senior deduction (2025 to 2028) | $6,000 per person 65 or older, reduced by 6% of MAGI over $75,000 ($150,000 joint) |
| Social Security taxable when provisional income is over | $25,000 single, $32,000 joint (up to 85% taxable over $34,000 / $44,000) |
Health insurance and HSAs
ACA limits use the HHS poverty guidelines for the 48 contiguous states and the IRS applicable percentages. Coverage years are shown; 2027 coverage uses the 2026 poverty guidelines.
| Figure | 2026 | 2027 |
|---|---|---|
| ACA premium tax credit income limit (400% of poverty line), 1 person | $62,600 | $63,840 |
| ACA income limit, family of four | $128,600 | $132,000 |
| Most you pay for the benchmark silver plan | 2.10% to 9.96% of income | 2.15% to 10.22% of income |
| HSA limit, self-only coverage | $4,400 | $4,500 |
| HSA limit, family coverage | $8,750 | $9,000 |
Trump Accounts
- $1,000 Treasury deposit for U.S. citizens born 2025 through 2028.
- $5,000 a year from everyone combined, including up to $2,500 from an employer, since July 4, 2026.
- Invested only in U.S. stock index funds with fees of 0.1% or less until the year the child turns 18.
Sources: Treasury and IRS guidance, listed on our Trump Account calculator.
Story ideas and the calculator to link
Each calculator lets your readers enter their own numbers, shows the formula and a worked example, and lists its official sources. They’re free, need no sign-up, and nothing readers type leaves their browser.
| Story | Link to |
|---|---|
| How much of the 3.6% COLA retirees keep after Medicare Part B | Social Security COLA calculator , Medicare Part B premium |
| Working while collecting Social Security: who has benefits withheld in 2027 | Social Security earnings limit calculator |
| How much of Social Security is taxable, and the “tax torpedo” | Social Security tax calculator |
| The $6,000 senior deduction and who it doesn’t help | Senior deduction calculator |
| ACA open enrollment and the 400% subsidy cliff | ACA subsidy calculator , ACA income limits |
| Medicare open enrollment: the $2,400 Part D drug cost cap and the payment plan | Medicare Part D calculator |
| Medicare IRMAA surcharges for higher-income retirees | IRMAA calculator , IRMAA brackets |
| Required minimum distributions and the 10-year rule for inherited IRAs | RMD calculator , Inherited IRA RMD calculator |
| Trump Accounts: the $1,000 deposit and the Dell $250 | Trump Account calculator |
| No tax on tips and overtime at tax time | Tax refund calculator , Schedule 1-A calculator |
| Paying down credit card debt | Credit card payoff calculator , Debt consolidation calculator |
All 37 calculators are on the calculators page, and the official tables are on our reference pages: 2026 tax brackets , IRMAA brackets , Part B premium , ACA income limits and Contribution limits .
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