For married couples, the 2026 IRMAA brackets are based on their joint Modified Adjusted Gross Income (MAGI). The IRMAA brackets 2026 have different income thresholds for single filers and married couples filing jointly, which means couples must carefully manage their combined income to avoid higher Medicare premiums. If one spouse earns significantly more, filing separately may someti... https://www.federalpensionadvisors.com/post/2025-irmaa-brackets