. How IRMAA 2026 Affects Medicare Premiums If your income is higher than average, you may be subject to the IRMAA 2026 surcharge on your Medicare premiums. These additional costs are based on your Modified Adjusted Gross Income (MAGI) from your 2024 tax return. As income thresholds increase slightly due to inflation, more retirees may find themselves paying IRMAA fees. Understanding... https://www.federalpensionadvisors.com/post/2025-irmaa-brackets