How Life-Changing Events Can Affect Your 2026 IRMAA Brackets If you experience a significant life change, you may qualify for an IRMAA appeal to lower your Medicare costs. The Social Security Administration (SSA) allows beneficiaries to request a reconsideration if they experience retirement, job loss, divorce, death of a spouse, or a major reduction in pension income. Since 2026 IRM... https://www.federalpensionadvisors.com/post/2025-irmaa-brackets