How Required Minimum Distributions (RMDs) Affect Your 2026 IRMAA Brackets Retirees over 73 must take Required Minimum Distributions (RMDs) from traditional IRAs and 401(k)s, which count toward Modified Adjusted Gross Income (MAGI) and can push them into higher 2026 IRMAA brackets. Failing to plan for RMDs may lead to higher Medicare premiums. One way to mitigate this is by reducing p... https://www.federalpensionadvisors.com/post/2025-irmaa-brackets