Plan Ahead: Everything Retirees Need to Know About 2026 IRMAA Brackets

IRMAA 2026 can add significant costs to your Medicare coverage if you're not careful. Higher-income retirees are required to pay more for Medicare Parts B and D. What determines your tier? The IRMAA 2026 brackets are calculated using 2024 income. If you anticipate a spike in earnings due to business sales, investment returns, or retirement plan distributions, it's time to plan. Adjust your financial activities today to reduce future penalties. Staying under these limits could mean thousands in savings over time—making it critical to understand how IRMAA 2026 works.