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How to Avoid IRMAA in 2026: Medicare Planning Guide
You can sometimes avoid or reduce IRMAA, but the right move depends on which IRMAA clock you are trying to change. Medicare normally uses modified adjusted gross income from two years earlier, so lowering…
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How Much Roth Can You Convert Before IRMAA?
If you are doing a Roth conversion in 2026, there is an important problem with the usual “stay under the IRMAA line” advice: the official IRMAA line that will usually matter is not known…
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IRMAA Income Checker: What Counts Toward MAGI?
Build the right MAGI number before you test the threshold. Most IRMAA calculators start with a box that says Enter your MAGI. That is fine if you already know the number. It is not…
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Does NUA Affect IRMAA? The Timing Trap Most Retirees Miss
I got an email recently with a very specific question: Does NUA affect IRMAA? Yes, it can. The part people miss is when. The taxable cost basis of employer stock can raise AGI in…
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IRMAA Appeal Process 2026: What Happens, Delays & How to File
Every once in a while, a reader email stops me cold. This one was about the IRMAA appeal process. The reader did everything right. Yet the appeals process for IRMAA took nine months to…
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2027 Medicare Open Enrollment: IRMAA Checklist for Retirees
Medicare Open Enrollment runs October 15 through December 7, 2026, for coverage that starts January 1, 2027. That is the plan-choice deadline. IRMAA runs on a different clock, and confusing the two can get…
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Borrow Against Stocks or Sell? SBLOC, Taxes & IRMAA
Compare borrowing against stocks with selling: SBLOC interest, capital-gains tax, IRMAA timing, maintenance-call risk, and when each choice makes sense.
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Tax-Loss Harvesting and IRMAA: How It Can Lower Medicare Costs
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 a cliff. Go one dollar over, and you pay the…
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Medicare Hold Harmless Rule: Why It Doesn’t Protect You From IRMAA
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 premiums from eating up your cost-of-living raise, there is…
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Does Social Security Count Toward IRMAA? How the Tax Trap Works
Does Social Security count toward IRMAA? Yes, but not in the way many retirees assume. IRMAA uses modified adjusted gross income, and only the taxable portion of your Social Security is already inside AGI.…
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