The 2026 irmaa brackets explain how income affects Medicare Part B and Part D premiums. Federal Pension Advisors breaks down the latest income limits, surcharge levels, and what retirees and federal employees should know to plan ahead and avoid unexpected Medicare costs in retirement. https://www.federalpensionadvisors.com/post/2026-irmaa-brackets-medicare-irmaa-in-2026-and-surcharge