The 2025 medicare irmaa brackets determine higher Medicare Part B and Part D premiums for certain retirees. Federal Pension Advisors explains how income thresholds work, who may be affected, and why understanding IRMAA is essential for smarter retirement and tax planning decisions. https://www.federalpensionadvisors.com/post/2026-irmaa-brackets-medicare-irmaa-in-2026-and-surcharge