Importance of Early Planning for IRMAA 2026 Preparing for IRMAA surcharges well in advance can help Medicare beneficiaries manage their healthcare costs efficiently. Since IRMAA is based on income from two years prior, those expecting higher income levels in 2024 should start planning immediately. Financial strategies such as deferring income, utilizing tax-efficient investments, or... https://www.federalpensionadvisors.com/post/2025-irmaa-brackets