IRMAA (Income-Related Monthly Adjustment Amount) is a surcharge added to Medicare Part B and Part D premiums for higher-income beneficiaries. The surcharge is based on your Modified Adjusted Gross Income from two years prior and can add over $1,000/month per person to your Medicare costs.

What are the 2025 IRMAA thresholds?

For 2025, single filers with income over $103,000 (married filing jointly over $206,000) will pay IRMAA surcharges. The surcharges increase at multiple income tiers, with the highest tier kicking in at $500,000 for singles and $750,000 for married couples. We help you stay below the first threshold to avoid thousands in extra premiums.

Can I avoid IRMAA if I'm already paying it?

Yes, with forward planning. IRMAA is based on income from two years ago, so we manage your income today to avoid surcharges two years from now. We also review potential life-changing event appeals if your income has decreased due to retirement, death of a spouse, or other qualifying events.

How does IRMAA affect my Medicare Part D prescription drug coverage?

IRMAA surcharges apply to both Medicare Part B (medical insurance) and Part D (prescription drug coverage). Higher-income beneficiaries pay an additional monthly amount on top of their Part D premium. Strategic income planning can help you avoid these surcharges entirely and significantly reduce your total Medicare costs.

When should I start planning for IRMAA?

Ideally, you should start IRMAA planning 3-5 years before Medicare enrollment at age 65. Because IRMAA is based on income from two years prior, early planning allows you to strategically manage Roth conversions, withdrawal sequencing, and other income decisions to minimize future Medicare surcharges. Even if you're already on Medicare, it's never too late to implement strategies that will reduce costs in future years.

MEDICARE & IRMAA

Don't Overpay for Medicare

Higher-income retirees can pay thousands more in Medicare premiums due to IRMAA surcharges. Strategic income management can save you $8,000+ per year — every year.

REDUCE MY MEDICARE COSTS →

"One bad income year can cost you thousands in Medicare surcharges for two years."

— Mike Stevens, IAR

What's Included

Coverage

IRMAA avoidance strategies

Parts Covered

A, B, D, Medigap

Enrollment Guidance

Included

Income Planning

Multi-year IRMAA projection

Cost

Included

THE PROBLEM

Does This Sound Familiar?

You got a surprise IRMAA bill

One year your income crossed a threshold by $1,000 — and now you're paying an extra $700/month in Medicare premiums. No one warned you.

You don't understand the 2-year lookback

IRMAA is based on income from two years ago, which means planning must happen years in advance. Most advisors miss this entirely.

Your withdrawals aren't coordinated

You're pulling from IRAs without considering how it affects Medicare costs, Social Security taxation, or your overall tax liability.

You're paying thousands more than necessary

Small adjustments to your income — Roth conversions, withdrawal timing, charitable strategies — could save you $8,000+ per year in premiums.

THE SOLUTION

Strategic IRMAA Management

Avoid the Surcharges Before They Hit

We integrate Medicare IRMAA thresholds into your tax planning and withdrawal strategy, so you manage your income to stay below surcharge levels. This requires multi-year planning — not just reacting when the bill arrives.

Our approach coordinates Roth conversions, withdrawal sequencing, charitable giving, and Social Security timing to minimize lifetime Medicare costs while maximizing your after-tax retirement income.

$8,400+ Annual savings for couples who avoid the first IRMAA tier

Our IRMAA Strategies:

Income threshold management (staying below IRMAA tiers)
Roth conversions in low-income years (before Medicare)
Strategic withdrawal sequencing to control MAGI
Qualified Charitable Distributions (QCDs) to reduce income
Municipal bond strategies for tax-free income
Two-year income projection and planning
Medicare Part D plan selection and optimization
Life-changing event appeals when applicable

How it Works

It's just three steps

BECOME A CLIENT

Step 1) Project Your Income ▾

Model your income for the next 5-10 years to identify which years you’ll be subject to IRMAA surcharges.

Step 2) Build the Strategy ▾

Coordinate withdrawals, Roth conversions, and charitable giving to stay below IRMAA thresholds.

Step 3) Monitor & Adjust ▾

Review your income annually and adjust the plan as tax laws, Medicare rules, or your situation changes.

COMMON QUESTIONS

Medicare & IRMAA FAQ

Learn how to reduce your Medicare costs with smart planning.

Ask About IRMAA