2025 Irmaa Brackets Married Filing Jointly Income Limits. For married couples filing jointly, the irmaa threshold is higher than for single filers. The irmaa surcharge is calculated on a sliding scale with five income brackets topping out at $500,000 and $750,000 for individual and joint filing, respectively.
For married couples filing jointly, the irmaa threshold is higher than for single filers. During this period, the threshold is $170,000 for beneficiaries who file their federal income taxes as married filing jointly and $85,000 for beneficiaries who file their federal.