2026 irmaa brackets show how your income affects Medicare Part B and Part D premiums. Federal Pension Advisors helps federal retirees understand surcharge thresholds, estimate healthcare costs, and plan retirement withdrawals wisely to avoid higher premiums and maintain better control over long-term retirement income and financial stability. https://www.federalpensionadvisors.com/post/2026-irmaa-brackets-medicare-irmaa-in-2026-and-surcharge