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

If you’re near retirement, learning about the IRMAA brackets 2026 is a must. Medicare uses your income from two years earlier—2024—to determine what you’ll pay in 2026. The IRMAA brackets 2026 define six income ranges, with each level increasing your monthly premium. If you're on the edge of a bracket, a small income change could cost you hundreds annually. To stay in a lower tier, consider reducing taxable income through deductions, qualified charitable distributions, or tax-efficient investments. Staying informed helps you take control of healthcare expenses before it’s too late.