Medicare income limits 2026 determine how much you pay for Medicare Part B and Part D based on your income. Federal Pension Advisors explains the income thresholds, IRMAA surcharges, and practical retirement planning strategies so federal employees and retirees can estimate costs, avoid surprises, and make informed healthcare and financial decisions. https://www.federalpensionadvisors.com/post/2026-irmaa-brackets-medicare-irmaa-in-2026-and-surcharge