Learn how 2026 irmaa brackets impact your Medicare Part B and Part D premiums. Federal Pension Advisors breaks down income thresholds, potential surcharges, and smart planning strategies to help you manage healthcare costs and protect more of your retirement income with confidence. https://www.federalpensionadvisors.com/post/2026-irmaa-brackets-medicare-irmaa-in-2026-and-surcharge