The 2026 irmaa brackets determine Medicare Part B and Part D premium adjustments based on your modified adjusted gross income. Federal Pension Advisors explains how the 2026 irmaa brackets may impact federal retirees, with strategies to manage TSP withdrawals, pension income, and tax planning to reduce Medicare surcharges. https://www.federalpensionadvisors.com/post/2026-irmaa-brackets-medicare-irmaa-in-2026-and-surcharge