Roth conversions can be a useful tool in managing income under the 2026 IRMAA brackets. Since the IRMAA brackets 2026 are based on Modified Adjusted Gross Income (MAGI), converting traditional IRA funds to a Roth IRA could push an individual into a higher IRMAA bracket if not planned carefully. However, strategic Roth conversions in lower-income years can help retirees avoid future IR... https://www.federalpensionadvisors.com/post/2025-irmaa-brackets