The 2026 IRMAA brackets will be determined based on inflation and cost-of-living adjustments (COLA). While the exact figures will be announced in late 2025, projections suggest income thresholds will increase slightly due to inflation. For instance, if historical trends continue, the lowest MAGI threshold could rise above $107,000 for individuals. These adjustments impact Medicare beneficiaries by determining their additional premium costs. Staying ahead of these changes by consulting financial advisors and reviewing Medicare updates will help you prepare for potential increases in Part B and Part D premiums if your income exceeds the new thresholds.