How Roth Withdrawals Can Help Manage Your 2026 IRMAA Brackets Since Roth IRA withdrawals do not count toward Modified Adjusted Gross Income (MAGI), they provide a tax-efficient way to manage 2026 IRMAA brackets. Retirees who rely on Roth funds instead of traditional IRA distributions can avoid increasing their reported income and keep Medicare premium surcharges lower. Additionally, ... https://www.federalpensionadvisors.com/post/2025-irmaa-brackets