To stay below the 2026 IRMAA brackets, retirees should consider strategies such as tax-efficient withdrawals, Roth conversions, and charitable giving. The IRMAA brackets 2026 are based on Modified Adjusted Gross Income (MAGI), which includes wages, Social Security benefits, capital gains, and other taxable income sources. Keeping income below IRMAA thresholds can save thousands of dol... https://www.federalpensionadvisors.com/post/2025-irmaa-brackets