Earning $100,000 Your Final Year: Medicare Impact
Retirees face a surprising two-year lag between last-year earnings and Medicare premium changes, even when Social Sec...
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.
72 articles
Roth Rules Put Medicare Costs in Spotlight, Orman
Medicare costs hinge on MAGI two years prior, making Roth withdrawals a strategic lever for retirees. New data show m...
Retirees with Same $330k Income Face Opposite Medicare Bills
Two retirees with the same $330,000 income year see Medicare bills diverge dramatically because IRMAA is calculated f...
66-Year-Old Retiree with $94,000 Pension Faces IRMAA Hurdle
A 66-year-old retiree with $94,000 pension learns that Medicare IRMAA surcharges can push monthly premiums higher, ev...
Medicare Lookback Clause That Reshapes Retiree Bills in 2026
A common retirement move—selling a primary home with a large capital gain—can trigger higher Medicare premiums two ye...
Retirees Doing Roth Conversions Face IRMAA Surcharge Risk
A Medicare surcharge known as IRMAA can hit after a large Roth conversion, and it can’t be reversed with SSA-44. Here...
64-Year-Old Retired Teacher with 403(b) Triggers IRMAA
A 64-year-old retired teacher with a $1.1M 403(b) and a state pension confronts higher Medicare IRMAA surcharges as M...
Moss Says Dollar Over IRMAA Threshold Hits Retirees
A single dollar past an IRMAA threshold can trigger steep Medicare premium hikes for retirees, potentially totaling t...
How the Little Known IRMAA Rule Hits Social Security
Medicare's IRMAA surcharges can shrink Social Security for high earners. The little known IRMAA rule ties premiums to...
Medicare’s Hidden Two-Year Lookback Hits Inheritors Early
A two-year income lookback determines Medicare premiums for next year, catching early IRA inheritors by surprise and ...
The Home Sale That Adds Big Medicare Costs for Retirees
A routine home sale can trigger a surprise Medicare premium surge two years down the line due to IRMAA. This report e...
High Earning Retirees Being Hit by Medicare Surcharge
A two-year income lookback can trigger Medicare IRMAA surcharges that cut into Social Security checks. This is a time...