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IRMAA News

Current updates, planning insights, and educational articles on Medicare surcharges, income thresholds, and strategies that matter to you.

Bull charging along a rising market line that transforms into IRMAA surcharge steps, illustrating how 2024 gains affect 2026 Medicare premiums
Market Impact
March 2026 7 min read

What the 2024 Bull Market Meant for Your 2026 IRMAA

The 2024 market surge created portfolio gains, capital gain distributions, and Roth conversion windfalls that are now hitting Medicare premiums through the two-year lookback. If your 2024 tax return reflected a strong market year, your 2026 IRMAA determination may reflect it too.

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All Market Planning Appeals Policy Legislative
Bull charging along a rising market line that transforms into IRMAA surcharge steps, illustrating how 2024 gains affect 2026 Medicare premiums Market
March 2026 7 min

What the 2024 Bull Market Meant for Your 2026 IRMAA

Portfolio gains, capital gain distributions, and Roth conversions from a strong 2024 are now hitting Medicare premiums through the two-year lookback.

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Hourglass running out beside a calendar showing age 63 in 2026, with a window closing to represent the IRMAA planning deadline Planning
April 2026 6 min

Turning 63 in 2026? Your IRMAA Window Is Closing

This is the last full year to position income before the two-year lookback locks in your Medicare premiums at enrollment. The clock is running.

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Tax document flowing through a gateway representing the SSA-44 appeal process, with two outcome paths branching forward Appeals
April 2026 5 min

Just Filed Your Taxes? Here Is Why That Matters for IRMAA

The tax return you just filed may be the documentation you need to reduce your Medicare surcharge. If you had a qualifying life event, now is the time to act.

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Social Security benefits chart rising and flowing into an IRMAA surcharge box, showing how cost-of-living adjustments can trigger higher Medicare premiums Policy
February 2026 6 min

Social Security COLA and IRMAA: Why Your Raise May Cost You

An annual cost-of-living adjustment sounds like a raise, but for retirees near an IRMAA threshold, the extra income can trigger a surcharge that costs more than the increase.

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Medicare shield with caduceus flowing through an IRMAA barrier into multiple plan choice arrows, representing open enrollment decisions Planning
March 2026 6 min

Medicare Open Enrollment 2026: What IRMAA Means for Your Plan Choice

Switching plans during open enrollment does not eliminate your IRMAA surcharge. Here is what plan comparison tools do not show you.

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U.S. Capitol building connected by a line to a policy document with a magnifying glass, representing legislative review of IRMAA reform Legislative
February 2026 7 min

Congress Eyes IRMAA Reform: What Proposed Changes Could Mean

The top bracket is frozen through 2028, bracket creep is pulling more retirees into surcharges, and reform discussions are gaining traction. Here is what to watch.

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