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

The IRMAA brackets 2026 determine whether you’ll face higher Medicare premiums in the future. If your income in 2024 is too high, your 2026 premiums for Medicare Parts B and D will increase. These brackets include several tiers, and each tier comes with higher monthly charges. Knowing what triggers these charges—like capital gains, IRA distributions, or Social Security income—is critical. You can take proactive steps to reduce your MAGI and stay in a lower bracket. Planning now around the IRMAA brackets 2026 will help you maintain affordable healthcare in retirement.