Irmaa Brackets 2025 Married Filing Jointly Over 65. Irmaa is reassessed annually based on your most recent tax return. This year, medicare beneficiaries with income over $106,000 (for single tax filers), $212,000 for joint filers and $106,000 (for married people that file separately) will pay the surcharge.

Your 2025 irmaa is based on your 2023 tax return. The irmaa income brackets for 2025 start at $106,000 ($103,000 in 2024) for a single person and $212,000 ($206,000 in 2024) for a married couple.