Risk Management & Insurance

Use this IRMAA calculator two ways: get a quick estimate of your published 2026 Medicare Part B and Part D IRMAA using 2024 MAGI, or switch to Planning / What-If mode to test how a Roth conversion, taxable capital gain, QCD offset, or another income change could move you...

Part D IRMAA is an income-based amount added to your Medicare prescription drug coverage cost. For 2026, most beneficiaries with 2024 modified adjusted gross income (MAGI) above $109,000 as an individual or $218,000 as a married couple filing jointly pay an extra $14.50 to $91.00 per month, per Medicare...

You're 63. Your tax preparer says your AGI is $105,000. Comfortably below the $109,000 IRMAA threshold. You relax. Two years later, at 65, you get a letter: your Medicare Part B premium is $974 higher annually ($81.20/month) because of $5,000 in tax-free municipal bond interest you (and your CPA)...

If you're reading this in 2026, your Medicare premiums for the year are already determined by your 2024 income—in fact, the Social Security Administration finalized your IRMAA brackets in early 2026 using your 2024 Modified Adjusted Gross Income (MAGI). Same with Part D too. And if you experienced any...

According to Kiplinger, the average high-income beneficiary pays $3,847 per year in Medicare Part B and Part D surcharges. But what if I told you that with proper planning, you could reduce or eliminate these costs entirely? This isn't about finding a loophole; it’s about understanding the rules better than the government expects you...

You must use Form SSA-44 (Medicare Income-Related Monthly Adjustment Amount; Life-Changing Event) to file an IRMAA appeal with the Social Security Administration (SSA). This form allows you to request a reduction in your Medicare Part B and Medicare Part D premiums if a qualifying life-changing event (such as retirement or divorce) has significantly reduced your Modified...

As of September 2, 2026, the official 2027 Medicare Part B premium and IRMAA income-threshold table has not been released. There is no guaranteed annual release date. Recent CMS announcements have landed anywhere from late September to mid-November. But “not official yet” does not mean every 2027 number you see...

The 2026 IRMAA brackets start above $109,000 of modified adjusted gross income (MAGI) for most single filers and above $218,000 for married couples filing jointly. Medicare uses your 2024 tax-return income to determine your 2026 income-related monthly adjustment amount, but it applies the 2026 IRMAA table—not the 2024 table. That...

Have questions on Medicare costs? Wondering about IRMAA Brackets and surcharges for your Medicare Parts B & D? We're going to unpack the hidden expense that catches thousands of Medicare beneficiaries off guard every year. Along with my IRMAA Checklist. A surcharge that's being determined by financial decisions you made back...

Home title fraud is real, but the scariest version of the story usually skips an important distinction: a forged deed does not magically make the theft lawful or automatically erase the true owner's rights. What it can do is put a fraudulent document into the public record, create the...