Navigating IRMAA for 2026 is essential for retirees planning Medicare costs. Federal Pension Advisor breaks down projected income thresholds, how surcharges are calculated, and what proactive steps federal employees can take. This clear, humanized guide helps you prepare early and manage healthcare expenses with confidence. https://www.federalpensionadvisors.com/post/2026-irmaa-brackets-medicare-irmaa-in-2026-and-surcharge