The irmaa brackets 2026 determine whether retirees pay higher Medicare Part B and Part D premiums based on income. Federal Pension Advisors explains how these brackets work, who may be affected, and why understanding IRMAA is essential for smarter retirement income and tax planning. https://www.federalpensionadvisors.com/post/2026-irmaa-brackets-medicare-irmaa-in-2026-and-surcharge