The 2026 IRMAA brackets determine how much retirees pay in Medicare premiums based on income. Federal Pension Advisors explain how these brackets work, who they affect, and ways to reduce surcharges. Stay informed and plan ahead with personalized retirement strategies to protect your income and benefits in 2026. https://www.federalpensionadvisors.com/post/2026-irmaa-brackets-medicare-irmaa-in-2026-and-surcharge