Avoiding IRMAA Traps Through Strategic Withdrawals If you're concerned about triggering higher premiums under the 2026 IRMAA brackets, consider how and when you withdraw from retirement accounts. Roth IRAs, HSAs, and qualified charitable distributions are powerful tools that don’t count toward MAGI. With IRMAA 2026 looming, retirees can use tax-advantaged strategies to manage report... https://www.federalpensionadvisors.com/post/2025-irmaa-brackets