How IRMAA 2026 Brackets Are Calculated The 2026 IRMAA brackets are calculated based on your Modified Adjusted Gross Income (MAGI) from two years prior. For IRMAA 2026, this means your 2024 income will determine your Medicare premiums. The IRMAA brackets 2026 typically adjust annually for inflation, affecting where income thresholds are set. Understanding how these calculations work ... https://www.federalpensionadvisors.com/post/2025-irmaa-brackets