Avoiding IRMAA 2026 Penalties Understanding the 2026 IRMAA brackets can help you avoid unnecessary penalties. Crossing into higher IRMAA brackets 2026 can result in significantly higher Medicare premiums. To prevent unexpected charges, it's essential to monitor your Modified Adjusted Gross Income (MAGI) and make adjustments where possible. Strategic planning, such as managing invest... https://www.federalpensionadvisors.com/post/2025-irmaa-brackets