The 2025 Medicare IRMAA brackets play a major role in how much higher-income retirees pay for Medicare Part B and D. Federal Pension Advisor breaks down the new income thresholds in a clear, humanized way, helping federal employees plan ahead, manage costs, and avoid unexpected premium increases in retirement. https://www.federalpensionadvisors.com/post/2026-irmaa-brackets-medicare-irmaa-in-2026-and-surcharge