Irmaa for 2026 determines how your reported income affects Medicare Part B and Part D premiums. Federal Pension Advisors explains surcharge thresholds, income calculations, and smart retirement planning strategies to help federal employees and retirees reduce unexpected premium increases and manage healthcare costs more efficiently in retirement. https://www.federalpensionadvisors.com/post/2026-irmaa-brackets-medicare-irmaa-in-2026-and-surcharge