Irmaa for 2026 determines how your income impacts Medicare Part B and Part D premium surcharges. Federal Pension Advisors explains projected thresholds, MAGI calculations, and strategic withdrawal planning to help federal retirees manage pension and TSP income efficiently while minimizing unexpected Medicare cost increases. https://www.federalpensionadvisors.com/post/2026-irmaa-brackets-medicare-irmaa-in-2026-and-surcharge