The 2026 IRMAA brackets will affect Medicare premiums for many federal retirees. FederalPensionAdvisors provides expert guidance on how your income influences IRMAA surcharges and what steps you can take to reduce costs. Learn how to prepare for these changes and protect your retirement income with strategic financial planning tailored to federal employees. https://www.federalpensionadvisors.com/post/2026-irmaa-brackets-medicare-irmaa-in-2026-and-surcharge