Medicare IRMAA Shock Hits a 67-Year-Old Principal with $1.4M
A public-school principal with a large retirement nest egg discovers her MAGI pushes her Medicare premiums into a hig...
IRMAA
This irmaa tag page collects four articles that explain hidden Medicare surcharges, who they hit, and steps you can take now to limit costs and protect your retirement budget.
14 articles
The $2.2 Million 401(k) Could Cost Medicare Surcharges
A multi-million 401K balance can lead to Medicare surcharges if MAGI climbs after retirement. A five-year Roth conver...
Have Large 401(K) Approaching Medicare? Watch the IRMAA Trap
A couple with substantial traditional 401(K) funds faces Medicare premium surcharges under IRMAA when MAGI crosses a ...
Tax Bomb for Retirees with Over $1.2 Million at 73
When required minimum distributions start at 73, retirees with over $1.2 million in a traditional 401(k) can face a s...
The 401(k) Roth Rollover That Cuts Medicare Surcharges
As Medicare costs rise with MAGI, retirees are turning to a tax-efficient move: roll assets from a traditional 401K t...
IRMAA Tier That Catches Retirees Off Guard Two Years Later
A two-year income lookback in Medicare pricing can surprise retirees after asset sales. This report explains how the ...
What Every High-Income Retiree Needs to Know About Medicare
Turning 65 triggers Medicare decisions that can impact your budget for decades. This guide explains what every high-i...
How the $2,000 Drug Cap Saves Medicare Retirees This Year
Medicare’s new $2,000 out-of-pocket cap on Part D drugs is delivering real relief for retirees, with insulin costs ca...
Just a Dollar Over Threshold Triggers Medicare Surcharge
A cliff-like Medicare IRMAA rule makes a tiny annual income step cost retirees hundreds more each month. This report ...
Higher-Income Retirees Face Loss as IRMAA Surcharges Spike
The 2026 Social Security COLA is 2.8%, but higher-income retirees face loss due to Medicare IRMAA surcharges that swa...
Retirees Wait They Sell: Medicare Premium Trap Looms
As downsizing gains pace, a hidden Medicare surcharge could erase gains from selling the family home. Here’s what ret...
Some Retirees Pay $689.90 a Month for Medicare This Year
Medicare Part B costs soar for high-income retirees due to IRMAA. The two-year lookback means past income spikes stil...