How Married Couples Can Strategize to Reduce Their 2026 IRMAA Costs Couples filing jointly have different 2026 IRMAA brackets than single filers, and managing income as a household can help reduce Medicare costs. Spouses can coordinate withdrawals from taxable and tax-deferred accounts to stay within favorable brackets. Additionally, shifting investment income, utilizing spousal Roth... https://www.federalpensionadvisors.com/post/2025-irmaa-brackets