The 2026 IRMAA brackets aren't just for the ultra-wealthy—they can affect middle-income retirees too. Many people unknowingly cross IRMAA thresholds due to things like required minimum distributions, capital gains, or even a delayed Social Security lump sum. The 2026 IRMAA brackets are structured in several tiers, and moving up even one tier can mean hundreds more per month in Medicar... https://www.federalpensionadvisors.com/post/2025-irmaa-brackets