The irmaa brackets 2026 outline how higher income can affect Medicare Part B and Part D premiums. Federal Pension Advisors provides clear guidance on income thresholds, planning strategies, and ways federal retirees can manage healthcare costs while protecting long-term retirement income. https://www.federalpensionadvisors.com/post/2026-irmaa-brackets-medicare-irmaa-in-2026-and-surcharge