If you're nearing retirement, understanding the IRMAA brackets 2026 is vital. These income tiers dictate how much you'll pay in Medicare surcharges, and they’re calculated using income from two years prior—in this case, 2024. Even modest increases in income can push you into a higher bracket. The IRMAA brackets 2026 affect both Medicare Part B and D, meaning your total premiums could ... https://www.federalpensionadvisors.com/post/2025-irmaa-brackets