Irmaa brackets 2026 determine how income affects Medicare Part B and Part D premium surcharges for retirees. Federal Pension Advisors explains projected thresholds, income calculations, and planning strategies to help federal retirees manage MAGI levels, reduce unexpected costs, and coordinate pension and TSP withdrawals efficiently. https://www.federalpensionadvisors.com/post/2026-irmaa-brackets-medicare-irmaa-in-2026-and-surcharge