Understand the irmaa brackets 2026 and how income levels may affect Medicare Part B and Part D premiums. Federal Pension Advisors provides clear insights to help retirees and federal employees plan income wisely, avoid unexpected surcharges, and make informed healthcare and retirement planning decisions. https://www.federalpensionadvisors.com/post/2026-irmaa-brackets-medicare-irmaa-in-2026-and-surcharge