Appealing Medicare IRMAA Surcharge
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How to Avoid the IRMAA Surcharge and Pay Less for Medicare
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arnoldmotewealthmanagement.com
If you’re 65 or older and on Medicare, you may have heard about IRMAA — the extra charge added to your Medicare premiums if your income is above certain levels. The 2026 numbers are out, and many people are surprised to learn that Social Security bases this on your income from two years ago! In my latest Cardinal Lesson, I break down what IRMAA really is, how these brackets work, when you might be able to appeal the charges, and how good planning around things like Roth conversions and RMDs can
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