2025 medicare irmaa brackets determine how your income affects Medicare Part B and Part D premiums. Federal Pension Advisors helps federal retirees understand surcharge thresholds, manage taxable income, and plan withdrawals strategically to reduce unexpected premium increases and maintain better control over healthcare costs throughout retirement. https://www.federalpensionadvisors.com/post/2026-irmaa-brackets-medicare-irmaa-in-2026-and-surcharge