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Medicare IRMAA Questions Answered: Top FAQs From Reddit, Forums & My Inbox

Health Insurance Michael Ryan
Retirees frequently encounter confusion regarding the Income-Related Monthly Adjustment Amount (IRMAA). Official government notices often provide only data tables, failing to address complex scenarios...
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7 IRMAA Mistakes Even the Best CPAs Can Make

Health Insurance Michael Ryan
Let me start with this: I have immense respect for Certified Public Accountants. A great CPA is a master of the tax code, a...
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How Qualified Charitable Distributions QCDs Can Lower Your IRMAA (If You’re 70½+)

Health Insurance Michael Ryan
For retirees who are charitably inclined, there is no single greater tool for tax and Medicare premium savings than the Qualified Charitable Distribution (QCD)....
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Medicare IRMAA: Why Qualified Charitable Distributions QCDs Beat Standard Donations

Taxes & Tax Planning Michael Ryan
You’ve been generous your whole life. In retirement, you continue to support the charities you care about, writing a check for a few thousand...
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Medicare’s “Hold Harmless” Rule: The IRMAA Safety Net That Fails High Earners (2026 Guide)

Health Insurance Michael Ryan
You think your Social Security net benefit is statutorily guaranteed to never decrease? You’re wrong. While the "Hold Harmless" rule is designed to prevent Medicare...
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Medicare’s HSA 6-Month Rule & Lookback Trap: How to Avoid the Tax Penalty

Health Insurance Michael Ryan
You think you’re being responsible by working past 65 and maxing out your Health Savings Account (HSA). A strategy often favored by financially savvy...
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FEHB Retirees: Should You Enroll in Medicare Part B? (The Cost-Benefit Analysis)

Health Insurance Michael Ryan
If you are a federal retiree approaching age 65, your mailbox is likely full of Medicare flyers screaming about "permanent penalties" if you don't...
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IEP vs. SEP: Still Working at 65? Here’s Exactly When to Enroll in Medicare

Health Insurance Michael Ryan
You are 66, still working, and your HR director just told you: "Don't worry about Medicare, you're covered by our plan." Do not trust them. Your...
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Capital Gains Spiking Your IRMAA? Use Tax-Loss Harvesting to Cut Medicare Costs (2026)

Health Insurance Michael Ryan
You’ve spent decades saving, only to find out that Medicare has a "success penalty." It’s called IRMAA (Income-Related Monthly Adjustment Amount), and it is...
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Permanently Avoid IRMAA Surcharges with Portfolio Asset Allocation Changes 2026

Health Insurance Michael Ryan
You have probably spent years obsessing over Asset Allocation—how much stock vs. bond exposure you have. That is important for growth. But in retirement,...
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