Understanding irmaa brackets 2026 is essential for planning your Medicare costs. Federal Pension Advisors explains how income affects your premiums, what changes to expect, and how smart retirement planning can help reduce IRMAA surcharges and keep more of your hard-earned retirement income. https://www.federalpensionadvisors.com/post/2026-irmaa-brackets-medicare-irmaa-in-2026-and-surcharge