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IRMAA

Avoid IRMAA Surcharges in 2026: Smart Medicare Premium Planning for Retirees

June 2, 2026 by Steven C. Johnson, ChFC®

Medicare is not the same price for everyone. In 2026, higher-income beneficiaries can pay more for Medicare Part B and Part D because of IRMAA, the Income-Related Monthly Adjustment Amount, and the determination generally uses 2024 modified adjusted gross income rather than current-year income. That creates a planning issue for retirees because a one-time income […]

Filed Under: Social Security & Medicare Tagged With: IRMAA, Medicare, Social Security, Social Security & Medicare, Tax Planning

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