The Impact of Capital Gains on Your 2026 IRMAA Brackets Capital gains from selling stocks, mutual funds, or real estate can increase Modified Adjusted Gross Income (MAGI) and push individuals into higher 2026 IRMAA brackets. Many retirees are unaware that one large asset sale can trigger Medicare premium surcharges for two years. To minimize the impact, strategies such as tax-loss ha... https://www.federalpensionadvisors.com/post/2025-irmaa-brackets