How the 2026 IRMAA Brackets Affect Married Couples For married couples filing jointly, the IRMAA brackets 2026 begin at a combined income of $212,000. The higher your joint MAGI, the higher your Medicare Part B and D premiums. Couples nearing retirement often underestimate their MAGI due to multiple income sources. Understanding these brackets is critical to planning tax-efficient w... https://www.federalpensionadvisors.com/post/2025-irmaa-brackets