Irmaa for 2026 outlines how higher income can increase Medicare Part B and Part D premiums. Federal Pension Advisors explains income thresholds, potential surcharges, and smart planning strategies to help retirees manage healthcare costs and protect long-term retirement income. https://www.federalpensionadvisors.com/post/2026-irmaa-brackets-medicare-irmaa-in-2026-and-surcharge