Learn how the 2026 irmaa brackets impact Medicare Part B and Part D premiums. Federal Pension Advisors provides clear guidance to help retirees understand income thresholds, plan distributions wisely, and manage healthcare and retirement expenses without unexpected Medicare surcharges. https://www.federalpensionadvisors.com/post/2026-irmaa-brackets-medicare-irmaa-in-2026-and-surcharge