Easy Tips to Avoid Higher Medicare Costs in 2026

IRMAA surcharges are increasing again in 2026 — and higher-income Medicare beneficiaries may see major changes to both Part B and Part D premiums. In this video, we break down the 2026 IRMAA income thresholds, updated surcharge amounts, why the brackets changed, and how “bracket creep” could push you into a higher tier even if your income didn’t rise. You’ll also learn how IRMAA is calculated, what tax year Social Security uses, how to appeal an incorrect IRMAA determination with Form SSA-44, and simple planning strategies to help reduce IRMAA exposure in future years. Topics covered: • What IRMAA is and who it affects • 2026 IRMAA income thresholds (single & married filers) • Updated Medicare Part B surcharge amounts • Updated Medicare Part D surcharge amounts • Bracket creep and why some retirees will move into higher tiers • How IRMAA is calculated using your 2024 tax return • How to file an IRMAA appeal (Form SSA-44) • Planning tips to manage IRMAA in 2026 and beyond If you want the full written breakdown of every IRMAA tier and surcharge level for 2026, visit: 👉 GentleMedicareGuide.com — Daily Medicare news, updates, and simple guides you can trust. Helpful search terms: 2026 IRMAA changes, Medicare IRMAA 2026, IRMAA income limits 2026, Medicare Part B premium increase 2026, Part D surcharge 2026, SSA-44 IRMAA appeal, Medicare high income surcharge, IRMAA brackets 2026, how to reduce IRMAA, Medicare costs 2026, IRMAA planning tips.