Your Guide to the 2026 IRMAA Brackets: What Every Retiree Should Know

Are you prepared for IRMAA 2026? If your income in 2024 is high, your Medicare premiums will likely be higher in 2026. Many retirees are unaware that IRMAA charges can raise their monthly costs by hundreds of dollars. Planning now gives you time to adjust income sources and take advantage of strategies that reduce taxable income. Things like gifting, income shifting, or delaying distributions can help avoid surcharges. Understanding IRMAA 2026 today means you’re in control tomorrow—plan wisely to keep your premiums in check.