Irmaa for 2026 affects how much you pay for Medicare based on your income. Federal Pension Advisors breaks down updated income limits, premium surcharges, and practical planning strategies to help federal employees and retirees reduce surprises and better prepare for future Medicare costs. https://www.federalpensionadvisors.com/post/2026-irmaa-brackets-medicare-irmaa-in-2026-and-surcharge