My wife and I filed separate returns in 2020 (MFS), because her situation was very complex (with some inheritance and such) and she wanted to have a CPA do it.
I knew she would probably get hit by IRMAA, but until she just received her premium notice for 2022, I did not realize that IRMAA is different (with fewer and lower thresholds and higher surcharges) for MFS than for single filers.
It seems it'd be beneficial for us to file and amended return, changing ur filing status from MFS to MFJ. I gather this is legal and reasonable.
My question: If we do this, thereby qualifying for a smaller (or perhaps even zero) IRMAA surcharge, will Medicare adjust our premium amounts ? Do we have to be pro-active in this, and if so, how difficult is it ?