2026 IRMAA Brackets for Married Couples Married couples filing jointly need to pay close attention to the 2026 IRMAA brackets. The threshold for higher Medicare premiums begins when joint income exceeds $212,000. At that point, Part B and Part D surcharges increase on a sliding scale, reaching the highest rate above $750,000. If you’re nearing retirement, estimating your 2024 income... https://www.federalpensionadvisors.com/post/2025-irmaa-brackets