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