https://www.federalpensionadvisors.com/post/2025-irmaa-brackets

Understanding the 2026 IRMAA brackets is critical if you’re planning your retirement budget. IRMAA 2026 uses your 2024 income to assign Medicare premium surcharges, which can dramatically increase your monthly costs. The IRMAA brackets 2026 include six tiers, with higher incomes facing steeper premiums. Avoiding unnecessary distributions or capital gains can help you stay below the thresholds. This article provides clarity on how IRMAA works, what triggers it, and how retirees can build a strategy to avoid or reduce these penalties. Take charge of your Medicare future today.