The IRMAA 2026 surcharges don’t have to catch you by surprise. These added Medicare costs are avoidable with proper financial planning. The income limits for IRMAA 2026 are based on your 2024 modified adjusted gross income. If that income is too high, even by a little, your monthly premiums can rise substantially. Consider spacing out retirement account withdrawals, avoiding large cap... https://www.federalpensionadvisors.com/post/2025-irmaa-brackets