IRMAA 2026 may seem far away, but it’s based on your 2024 income, making this year critical for smart tax planning. The higher your income, the more you’ll pay in Medicare surcharges. That’s why understanding IRMAA 2026 now is key. Many retirees are surprised by these extra costs, especially if they didn’t plan around capital gains or retirement account withdrawals. Proactive planning... https://www.federalpensionadvisors.com/post/2025-irmaa-brackets