Understanding the IRMAA brackets 2026 is essential for effective retirement planning. FederalPensionAdvisors explains how income levels affect your Medicare premiums and what federal retirees can do to manage costs. Learn how IRMAA surcharges work, who they impact, and strategies to minimize their effect on your retirement income. Stay informed and protect your financial future. https://www.federalpensionadvisors.com/post/2026-irmaa-brackets-medicare-irmaa-in-2026-and-surcharge