Strategies to Avoid Higher IRMAA Brackets 2026 Avoiding higher IRMAA brackets 2026 requires careful financial planning and strategic income management. Since the 2026 IRMAA brackets are determined by your 2024 Modified Adjusted Gross Income (MAGI), it’s essential to plan ahead. Common strategies include spreading income over multiple years, using Roth IRA conversions, and increasing ... https://www.federalpensionadvisors.com/post/2025-irmaa-brackets