Plan Ahead: Everything Retirees Need to Know About 2026 IRMAA Brackets

Stay ahead of the curve by understanding the 2026 IRMAA brackets and how they affect Medicare costs. Many retirees unknowingly exceed income limits in 2024, leading to increased premiums two years later. This income-based surcharge hits those who don’t plan appropriately. By monitoring your MAGI and working with a financial planner, you can take steps to remain in a lower tier of the 2026 IRMAA brackets. From strategic withdrawals to tax-free investment options, small changes now can lead to big savings later. Don’t let Medicare surcharges disrupt your financial peace of mind.