The 2025 Medicare IRMAA brackets determine how income affects your Medicare premiums. Federal Pension Advisors explain the new thresholds, potential costs, and strategies to reduce surcharges. Stay prepared and make informed retirement decisions with expert, humanized guidance designed to help federal retirees manage healthcare expenses effectively. https://www.federalpensionadvisors.com/post/2026-irmaa-brackets-medicare-irmaa-in-2026-and-surcharge