Capital gains from investments can unexpectedly push retirees into higher 2026 IRMAA brackets, leading to increased Medicare premiums. The IRMAA brackets 2026 use Modified Adjusted Gross Income (MAGI), which includes taxable capital gains. Selling stocks, real estate, or other assets can result in a higher reported income, even if those gains are reinvested. Tax-efficient investment s... https://www.federalpensionadvisors.com/post/2025-irmaa-brackets