"Mastering the 2026 IRMAA Brackets: A Strategic Guide to Lowering Medicare Premiums"

IRMAA Brackets 2026 and Charitable Giving If you’re charitably inclined and over age 70½, Qualified Charitable Distributions (QCDs) are a great tool for managing IRMAA 2026. QCDs allow you to donate directly from an IRA to a charity, excluding the donation from your income. This can help you stay below the 2026 IRMAA brackets and avoid higher Medicare costs. Since IRMAA looks at your MAGI, even a small reduction can keep you in a lower premium tier. With inflation-adjusted IRMAA brackets 2026, charitable giving can double as a strategic tax move and a generous act.