Impact of Inflation on IRMAA Brackets IRMAA income brackets are adjusted annually based on the Consumer Price Index for Urban Consumers (CPI-U). If inflation remains high, the 2026 IRMAA brackets will likely increase more significantly than in prior years. This adjustment helps prevent middle-income retirees from being unfairly affected by IRMAA surcharges. However, if inflation rat... https://www.federalpensionadvisors.com/post/2025-irmaa-brackets