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