2026 IRMAA: Medicare Part B & Part D Premiums
Understand how your income affects your Medicare premiums—and what you can do about it.
What is IRMAA?
IRMAA (Income-Related Monthly Adjustment Amount) is an additional charge added to your Medicare Part B and Part D premiums if your income exceeds certain thresholds. These adjustments are based on your income from two years prior.
How to Reduce IRMAA
- Review retirement income strategies (Roth conversions, withdrawal timing)
- File an appeal if you’ve had a life-changing event
- Coordinate Medicare planning with tax planning
This information is for educational purposes only and should not be considered financial or tax advice.
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