Understand the 2025 medicare irmaa brackets with help from Federal Pension Advisors. Learn how higher income can impact your Medicare premiums and what smart planning strategies may help reduce IRMAA surcharges. Get clear, retirement-focused insights tailored for federal employees and retirees. https://www.federalpensionadvisors.com/post/2026-irmaa-brackets-medicare-irmaa-in-2026-and-surcharge