Retirement account withdrawals can have a significant impact on your 2025 IRMAA brackets, especially if you are taking distributions from a traditional IRA or 401(k). These withdrawals are included in your Modified Adjusted Gross Income (MAGI) and could push you into higher IRMAA brackets. To avoid higher Medicare premiums, consider strategies like converting some of your traditional ... https://www.federalpensionadvisors.com/post/2025-irmaa-brackets