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IRMAA Calculator – Estimate Your Medicare Surcharge (2026–2028)

You can trigger a five-figure Medicare premium increase with a single large taxable event. And not see the IRMAA Surcharge bill until two years...

IRMAA Appeals TOOL: How to Successfully Lower Your Medicare Premiums After a Life-Changing Event

If you're facing higher Medicare premiums due to Income-Related Monthly Adjustment Amount (IRMAA) surcharges, there's hope for relief. The Social Security Administration recognizes that...

Medicare Part B Premium 2026: Cost, Deductible & IRMAA Increases

The couple sat across from me, both retired 18 months. Staring at a letter from Social Security. Their financial advisor had told them to...

Medicare IRMAA Calculator 2026: Estimate Your Medicare Surcharge by Income

The term "IRMAA" can feel like a penalty for a lifetime of hard work and saving. It's the Income-Related Monthly Adjustment Amount, a surcharge...

Part D IRMAA 2026: How Income Affects Prescription Drug Premiums

Your 2024 Modified Adjusted Gross Income (MAGI) determines whether you'll pay Part D IRMAA surcharges in 2026 through Medicare's two-year look-back rule. If you're a single filer earning...

What Income Counts Toward IRMAA in 2026? Complete MAGI Calculation Guide

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...

Stop Worrying About 2026 Medicare Premiums. The Game Is Already Underway

You’ve spent decades planning, saving, and investing diligently. Now, on the cusp of retirement, you’re confronted with a penalty for your success: the Income-Related...

How Medicare Calculates Your MAGI & 2026 IRMAA Premium Surcharge

If you're reading this in 2025, there's a good chance your 2027 Medicare premiums are being decided right now. Same with Part D too....

How to Avoid IRMAA in 2026: 9 Smart Strategies to Reduce Medicare Surcharges

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...

How to Appeal Your 2026 IRMAA Medicare Surcharge: SSA-44 Form Guide

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...