Many retirees overlook how the 2026 IRMAA brackets can lead to unexpected Medicare surcharges. Because these brackets are based on income from two years earlier, high earnings in 2024 can raise your 2026 Medicare costs. Staying under the 2026 IRMAA brackets threshold requires thoughtful income planning, especially for those withdrawing from pre-tax retirement accounts. Tax-efficient s... https://www.federalpensionadvisors.com/post/2025-irmaa-brackets