Understand the irmaa brackets 2026 with help from Federal Pension Advisors. Learn how income thresholds may affect your Medicare premiums and retirement income strategy. Our experts help federal retirees plan smarter, reduce surprise surcharges, and protect long-term retirement savings with personalized, Medicare-focused guidance. https://www.federalpensionadvisors.com/post/2026-irmaa-brackets-medicare-irmaa-in-2026-and-surcharge