Planning for IRMAA for 2026 is essential for federal retirees. FederalPensionAdvisors breaks down the income thresholds and potential Medicare premium surcharges that could affect your retirement budget. Learn how to manage your income and avoid unnecessary costs. Get expert strategies to minimize IRMAA impacts and protect your long-term retirement and healthcare planning. https://www.federalpensionadvisors.com/post/2026-irmaa-brackets-medicare-irmaa-in-2026-and-surcharge