Married filing separately: the IRMAA trap in 2026
By Elder PaperworkUpdated
Short answer
If you lived with your spouse at any time in the year and file separately, a harsher IRMAA table applies.
In 2026, above $109,000 of MAGI, the Part B surcharge jumps straight to $446.30 a month.
Part D adds $83.30. Above $391,000, it’s $487.00 and $91.00.
Sources: CMS, November 14, 2025; POMS HI 01120.001, June 2026. Read November 4, 2026.
Key facts
What does the separate table look like?
It has only three rows, so the jump comes early.
| Income | Part B total | Part D extra |
|---|---|---|
| $109,000 or less | $202.90 | $0.00 |
| Under $391,000 | $649.20 | $83.30 |
| $391,000 or more | $689.90 | $91.00 |
Who does this table apply to?
Married people who lived with their spouse at any time during the tax year and filed separate returns.
What if we lived apart all year?
Tell Social Security. It asks for a copy of your Form 1040 or a statement under penalty of perjury.
It also asks for your spouse’s last known address.
Find out in a few minutes if you qualify.
Check my savingsHow does it compare with single?
At $150,000 of MAGI, a single filer pays $405.80 for Part B. Married filing separately: $649.20.
Try your numbers in the IRMAA 2026 calculator.
Questions
Why is the separate table harsher?
CMS sets only three brackets for it, so the top rates start above $109,000.
Does it apply if we lived apart?
It applies if you lived with your spouse at any time during the tax year.
What proof do I give if we lived apart?
A copy of your Form 1040 or a statement under penalty of perjury, plus your spouse’s last known address.