Your Guide to the 2026 IRMAA Brackets: What Every Retiree Should Know

The 2026 IRMAA brackets are something every Medicare recipient should pay attention to. These thresholds can raise your premiums if your income crosses into a higher bracket. The government uses your MAGI from two years earlier to determine what you’ll pay. That means income decisions made in 2024 will impact your Medicare costs in 2026. To avoid extra charges, look at your income sources now and see where you can make adjustments. Whether it’s through smart investment planning or charitable giving, staying within the 2026 IRMAA brackets is possible with the right strategy.