Understand how the 2025 medicare irmaa brackets affect Medicare Part B and Part D premiums. Federal Pension Advisors explains income thresholds, surcharge calculations, and smart planning strategies to help retirees reduce IRMAA impact and protect long-term retirement income. https://www.federalpensionadvisors.com/post/2026-irmaa-brackets-medicare-irmaa-in-2026-and-surcharge