Avoid surprises in retirement by understanding how the 2026 IRMAA brackets affect your healthcare budget. These income thresholds determine if you'll owe additional surcharges on Medicare Part B and D. They're based on your tax return from 2024, so what you do now matters. The 2026 IRMAA brackets have sharp jumps in premium cost between tiers, which means proper planning is essential.... https://www.federalpensionadvisors.com/post/2025-irmaa-brackets