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Two jobs Additional Medicare 2026: $190,000 + $45,000 owes $315, stub shows $0

IRC § 3101(b)(2): combined Medicare wages $235,000. Single tax is $315. Joint tax is $0. Each employer stays under $200,000, so neither withholds the extra 0.9%.

Calcufast Team
8 min

Additional Medicare Tax is 0.9% on Medicare wages above a filing-status threshold. It is not the regular 1.45% Medicare line. It is not Social Security.

Two W-2s can hide it. $190,000 at job A and $45,000 at job B is $235,000 combined. Each employer is under the $200,000 withholding trigger, so each stub can show $0 extra. The statutory tax is not $0 if you file as single.

  • Single / other: threshold $200,000 → excess $35,000 → tax $315
  • Married filing jointly: threshold $250,000 → excess $0 → tax $0
  • Married filing separately on the $190,000 job: threshold $125,000 → tax $585

Run the Additional Medicare calculator →

This is the opposite leftover of two jobs each running Social Security to the wage base. Here the risk is under-withholding, not a refund of extra 6.2%. Regular FICA is still Topic 751. Hub: United States calculators.

Withholding trigger ≠ tax

IRS Topic 751 tells each employer to start the extra 0.9% only after it pays you $200,000. It does not add your other W-2. Form 8959 reconciles the year. Estimate, not tax advice.

Direct answer: $235,000 combined → $315 if single

  1. Combined Medicare wages = $190,000 + $45,000 = $235,000
  2. Single threshold = $200,000
  3. Excess = $35,000
  4. Tax = 0.9% × $35,000 = $315
  5. Employer extra withheld = $0 + $0
Additional Medicare Tax (IRC § 3101(b)(2))

threshold = $250,000 (joint) / $125,000 (MFS) / $200,000 (any other case)

excess = max(0, calendar-year Medicare wages − threshold)

tax = 0.9% × excess

Same $235,000, three statuses

StatusThresholdExcessTaxTypical stub extra
Single / other$200,000$35,000$315$0
Married filing jointly$250,000$0$0$0
MFS on the $190,000 job$125,000$65,000$585$0

The $45,000 job is under every threshold by itself. It still counts toward the combined single and joint tests.

One W-2 at $250,000 single is a different leftover: Additional Medicare after $200,000. Regular Medicare 1.45% never stops. FICA $2,000 → $153.

What this page does not do

  • Add NIIT 3.8% on investment income.
  • Rebuild employer withholding paycheck by paycheck.
  • Combine Social Security wage bases across employers (that is a different two-job story).

Because neither employer paid you $200,000. The withholding rule is per employer. The tax is on combined wages.

Not on $235,000. The joint threshold is $250,000, so the engine returns $0.

No. Both jobs already withhold regular Medicare. $315 is only the additional 0.9% on the $35,000 excess.

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