Understanding the 2026 IRMAA brackets is key to managing Medicare costs in retirement. Federal Pension Advisors break down income thresholds, premium impacts, and smart planning strategies to help you reduce IRMAA surcharges. Stay informed and take control of your retirement finances with expert, humanized guidance from Federal Pension Advisors. https://www.federalpensionadvisors.com/post/2025-irmaa-brackets