Understand how the 2025 medicare irmaa brackets affect Medicare Part B and Part D premiums. Federal Pension Advisors provides clear, informative insights to help retirees and federal employees plan income wisely, manage healthcare costs, and avoid unexpected IRMAA surcharges. https://www.federalpensionadvisors.com/post/2026-irmaa-brackets-medicare-irmaa-in-2026-and-surcharge