Retirement planning must account for the 2026 IRMAA brackets to ensure that Medicare costs remain manageable. The IRMAA brackets 2026 can significantly impact overall retirement expenses, particularly for high-income individuals. Since IRMAA surcharges are based on Modified Adjusted Gross Income (MAGI), retirees should consider strategies to keep taxable income below IRMAA thresholds.... https://www.federalpensionadvisors.com/post/2025-irmaa-brackets