The 2026 IRMAA brackets aren't just for the ultra-wealthy—they can affect federal retirees, professionals, and even moderate savers. That’s because IRMAA 2026 uses total income from 2024, including required minimum distributions (RMDs), investments, and pensions. It’s easier than you think to land in one of the higher IRMAA brackets 2026, and once you’re in, premiums go up fast. This ... https://www.federalpensionadvisors.com/post/2025-irmaa-brackets