Understand the irmaa brackets 2026 and how income levels can affect Medicare Part B and Part D premiums. Federal Pension Advisors provides clear insights to help retirees plan income strategically, avoid unexpected surcharges, and manage healthcare and retirement costs with confidence. https://www.federalpensionadvisors.com/post/2026-irmaa-brackets-medicare-irmaa-in-2026-and-surcharge