Irmaa brackets 2026 determine how much federal retirees pay for Medicare Part B and Part D based on income. Federal Pension Advisors explains the updated thresholds, how surcharges are calculated, and ways to manage retirement income to avoid higher premiums and protect long-term retirement savings and healthcare affordability. https://www.federalpensionadvisors.com/post/2026-irmaa-brackets-medicare-irmaa-in-2026-and-surcharge