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IRMAA Recovery Plan: How To Eliminate a $2,400 Medicare IRMAA Surcharge
Retirement planning is full of theory. But theory doesn’t pay the bills. Strategy does. Today, you will see exactly how one retiree Jane, a 72-year-old retired teacher eliminated a $2,400 annual Medicare surcharge using 5 proven tax strategies. This isn’t a hypothetical. It is a blueprint you can copy, starting today. Most retirees think Medicare […]...
Medicare IRMAA Questions Answered: Top FAQs From Reddit, Forums & My Inbox
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 such as That’s why I decided to put together this guide to help answer the most common Medicare IRMAA questions. This guide compiles the most urgent, misunderstood inquiries regarding Medicare surcharges. […]...
2026 Medicare Open Enrollment: The IRMAA Checklist Every Retiree Needs
Medicare open enrollment IRMAA planning starts now—the deadline is December 7th, 2026.It’s that time of year again. Your mailbox is full of Medicare Advantage flyers, and you have until December 7th to pick your Medicare Advantage plan for 2026. But here is the trap most retirees fall into: They think once they pick a plan, […]...
Capital Gains Spiking Your IRMAA? Use Tax-Loss Harvesting to Cut Medicare Costs (2026)
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 full surcharge. But there is a defensive move most retirees miss. Tax loss harvesting to avoid IRMAA surcharge. Here is the […]...
IEP vs. SEP: Still Working at 65? Here’s Exactly When to Enroll in Medicare
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 HR department is trained on company benefits, not federal Medicare coordination law. This gap is where most lifetime penalties happen. I have seen dozens of clients face lifetime penalties […]...
FEHB Retirees: Should You Enroll in Medicare Part B? (The Cost-Benefit Analysis)
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 sign up immediately. Throw them away. Let’s take a look at FEHB and Medicare Part B… As a federal retiree with FEHB (Federal Employees Health Benefits), you possess a “Golden Ticket” […]...
Medicare’s HSA 6-Month Rule & Lookback Trap: How to Avoid the Tax Penalty
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 individuals like yourself. The IRS thinks you’re breaking the law. There is a hidden tripwire in the Medicare enrollment process that catches my smartest clients every year. It’s called the Medicare […]...
Medicare’s “Hold Harmless” Rule: The IRMAA Safety Net That Fails High Earners (2026 Guide)
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 a statutory exclusion that most retirees don’t see until January. If you trigger IRMAA (the Income-Related Monthly Adjustment Amount), that safety […]...
Medicare IRMAA: Why Qualified Charitable Distributions QCDs Beat Standard Donations
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 dollars each year. You feel good about it, and you assume your generosity is at least giving you a bit of a break on your taxes. But when you look at […]...
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 later. This IRMAA calculator puts that delayed “tax bomb” on a chart. Enter your filing status, baseline MAGI, and one-time events (Roth conversions, capital gains, QCDs) to see projected MAGI and […]...