Medicare income limits 2026 determine whether retirees will pay higher Part B and Part D premiums under IRMAA rules. Federal Pension Advisors explains how medicare income limits 2026 affect federal retirees, including strategies to manage TSP withdrawals, pension income, and tax planning to reduce Medicare surcharges and protect retirement cash flow. https://www.federalpensionadvisors.com/post/2026-irmaa-brackets-medicare-irmaa-in-2026-and-surcharge