"Mastering the 2026 IRMAA Brackets: A Strategic Guide to Lowering Medicare Premiums"

When Will You Know Your 2026 IRMAA Tier? Most Medicare recipients will learn about their IRMAA 2026 premium levels in late 2025. Social Security sends out letters detailing the premium adjustments based on 2024 income data. If you believe your income will drop—due to retirement, divorce, or other life changes—you can appeal. It’s important to understand where you fall in the 2026 IRMAA brackets ahead of time to avoid surprise increases. Planning for IRMAA is just as critical as planning for taxes in retirement, and early awareness of the IRMAA brackets 2026 can help you adjust if needed.