The irmaa 2026 update brings important changes that could affect Medicare costs for federal retirees. Federal Pension Advisor breaks down income thresholds, potential premium impacts, and smart planning steps. This clear and humanized overview helps you stay prepared, avoid surprises, and make informed decisions about your retirement healthcare expenses. https://www.federalpensionadvisors.com/post/2026-irmaa-brackets-medicare-irmaa-in-2026-and-surcharge