The IRMAA brackets 2026 will directly affect Medicare beneficiaries who cross certain income levels in 2024. These brackets are often misunderstood, but they’re easy to manage with foresight. The IRMAA brackets 2026 are tiered and apply surcharges on top of regular Medicare premiums. Even a temporary increase in income can lead to long-lasting cost hikes. Tools like Roth conversions, ... https://www.federalpensionadvisors.com/post/2025-irmaa-brackets