Navigating the 2026 IRMAA brackets requires a proactive financial mindset. These brackets determine if you’ll face surcharges on Medicare premiums, and they’re based on your income from two years earlier. That means your 2024 financial decisions directly affect 2026 IRMAA brackets. Smart planning includes managing withdrawals from retirement accounts, selling investments at the right ... https://www.federalpensionadvisors.com/post/2025-irmaa-brackets