. Avoiding IRMAA 2026: Tax Strategies That Help To avoid the higher tiers in the 2026 IRMAA brackets, consider strategic tax planning now. Roth IRA conversions, spacing out capital gains, or adjusting income-generating assets can help reduce your 2024 MAGI. These tactics can keep you below critical IRMAA thresholds. IRMAA 2026 may seem far off, but it’s based on past income, so acti... https://www.federalpensionadvisors.com/post/2025-irmaa-brackets