As Medicare costs rise, the 2026 IRMAA brackets can have a large impact on your retirement finances. These brackets determine how much you’ll pay in surcharges, based on income from two years earlier. If you had a good income year in 2024, you may fall into higher tiers of the 2026 IRMAA brackets. But you still have time to make adjustments. Lowering your MAGI through strategic tax mo... https://www.federalpensionadvisors.com/post/2025-irmaa-brackets