The 2025 medicare irmaa brackets determine how much higher-income retirees pay for Medicare Part B and Part D. Federal Pension Advisors explains current income thresholds, surcharge amounts, and smart planning tips to help federal employees and retirees manage Medicare costs with confidence. https://www.federalpensionadvisors.com/post/2026-irmaa-brackets-medicare-irmaa-in-2026-and-surcharge