You worked hard to build your retirement income—don’t let the 2026 IRMAA brackets chip away at it. Medicare surcharges under IRMAA 2026 are based on 2024 income, so the clock is already ticking. Even a brief spike in income can land you in one of the higher IRMAA brackets 2026, raising your monthly Medicare costs. Fortunately, there are proven ways to reduce taxable income and avoid s... https://www.federalpensionadvisors.com/post/2025-irmaa-brackets