The IRMAA brackets 2026 will play a major role in determining Medicare Part B and Part D premiums for retirees with higher income levels. IRMAA, or Income-Related Monthly Adjustment Amount, is based on your modified adjusted gross income from two years prior and can significantly increase healthcare costs if not planned for properly.

Federal retirees are especially impacted due to multiple income sources such as pensions, TSP withdrawals, and Social Security benefits. Even a small increase in income can move you into a higher IRMAA bracket, resulting in higher monthly Medicare premiums.

Strategic retirement planning can help manage future income and potentially reduce IRMAA exposure. Understanding how retirement accounts, required minimum distributions, and tax-efficient strategies work together is essential. Long-term planning, including awareness of roth ira contribution limits 2026 and the roth ira 2026 contribution limit, can support better income control during retirement years.

At Federal Pension Advisors, we help federal employees and retirees understand Medicare-related costs and design income strategies that align with their retirement goals. With the right guidance, it’s possible to reduce unnecessary Medicare surcharges while maintaining financial stability throughout retirement.