Learn how the 2026 irmaa brackets may affect Medicare Part B and Part D premiums based on income levels. Federal Pension Advisors provides clear, easy-to-understand guidance to help retirees and federal employees plan withdrawals, manage taxable income, and reduce the risk of unexpected Medicare surcharges through smarter retirement planning. https://www.federalpensionadvisors.com/post/2026-irmaa-brackets-medicare-irmaa-in-2026-and-surcharge