A Roth conversion may be the key to avoiding costly IRMAA surcharges on your premiums.

Some retirees could see Medicare premiums rise by more than $400 a month in 2026 due to IRMAA. Here’s how it affects Social Security checks and who pays more.

Medicare increases the monthly premiums for Part B and Part D coverage if your income is higher than certain limits. To avoid these surcharges, you can reduce your modified adjusted gross income. If ...

“Your retirement income could trigger a Medicare penalty you didn’t even know existed.” Most retirees think of Medicare as a safety net — a predictable, reliable program that helps cover health ...

The income-related monthly adjustment amount (IRMAA) is one of the most significant and stealthy retirement taxes, effectively raising the cost of Medicare Part B and Part D premiums for those with ...

Every senior on Medicare should be intimately familiar with IRMAA — the initials that stand for Income Related Monthly Adjustment Amount. It’s the amount by which your Medicare Part B and Part D ...

Social Security’s new COLA boosts benefits, but Medicare premiums, IRMAA surcharges, Part D costs and tax withholding can ...

There’s no standard monthly premium for Part D, as those costs are plan-specific. But in either situation, you could end up facing surcharges on your Part B or Part D premiums if you’re hit with an ...

Medicare IRMAAs are based on your income from two years prior. This means that your 2026 income will determine how much your ...

MAGI is your adjusted gross income. It determines whether you qualify for specific benefits. And with Medicare, it determines whether you will pay higher Part B and Part D premiums. If you have a ...

For many Americans, Medicare represents relief. After decades of employer premiums, payroll deductions and confusing plan options, retirement feels like the finish line. Finally, health care will be ...