The 2025 medicare irmaa brackets determine higher Medicare Part B and Part D premiums based on your modified adjusted gross income. Federal Pension Advisors explains how the 2025 medicare irmaa brackets affect federal retirees, with smart withdrawal and tax planning strategies to help reduce surcharges and protect retirement income. https://www.federalpensionadvisors.com/post/2026-irmaa-brackets-medicare-irmaa-in-2026-and-surcharge