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

IRMAA 2026 will impact many Medicare beneficiaries, especially those unaware of how income affects premiums. The IRS uses your 2024 tax return to determine if you owe IRMAA surcharges in 2026. These extra charges apply if your MAGI exceeds specific thresholds. Fortunately, there’s still time to reduce your 2024 income and stay in a lower premium bracket. Whether through strategic withdrawals or income deferral, planning ahead is key to managing your Medicare costs. Educate yourself about IRMAA 2026 now to avoid paying more than necessary.