Medicare income limits 2026 determine whether higher-income retirees pay extra Medicare premiums. Federal Pension Advisors explains updated thresholds, how income is calculated, and what federal employees and retirees can do now to manage IRMAA surcharges and plan healthcare costs with confidence. https://www.federalpensionadvisors.com/post/2026-irmaa-brackets-medicare-irmaa-in-2026-and-surcharge