Medicare & IRMAA Planning

Navigate Medicare options and minimize Income-Related Monthly Adjustment Amount surcharges.

What Is IRMAA and Why Does It Matter?

Higher-income retirees pay significantly more for Medicare. Strategic income management can save you thousands each year.

$1,000+
Monthly Surcharge

Part B & D Impact

IRMAA surcharges can add over $1,000 per month per person to your Medicare premiums based on income from two years prior.

2-Year
Lookback Period

Income Lag

IRMAA is based on your Modified Adjusted Gross Income from two years ago. Planning ahead is essential.

$8,400+
Annual Savings

Avoidable Costs

Couples who manage their income below IRMAA thresholds can save thousands every year in premiums.

IRMAA Income Thresholds

Single Filers

  • Under $103,000: Standard premium
  • $103,000 - $129,000: +$69.90/month
  • $129,000 - $161,000: +$174.70/month
  • $161,000 - $193,000: +$279.50/month
  • $193,000 - $500,000: +$384.30/month
  • Over $500,000: +$419.30/month

Married Filing Jointly

  • Under $206,000: Standard premium
  • $206,000 - $258,000: +$69.90/month
  • $258,000 - $322,000: +$174.70/month
  • $322,000 - $386,000: +$279.50/month
  • $386,000 - $750,000: +$384.30/month
  • Over $750,000: +$419.30/month

Thresholds are per-person surcharges applied to each spouse individually.

IRMAA Avoidance Strategies

Strategy 1

Income Management

Carefully time withdrawals, Roth conversions, and asset sales to keep Modified AGI below IRMAA thresholds in the years that matter.

Strategy 2

Roth Conversions Before 65

Strategically convert traditional IRA funds to Roth before Medicare enrollment when income may be lower.

Strategy 3

Qualified Charitable Distributions

QCDs from your IRA directly to charity satisfy RMDs without increasing your MAGI for IRMAA purposes.

Strategy 4

Municipal Bond Income

While muni bond interest is tax-free, it still counts toward MAGI. We help balance tax-free income with IRMAA thresholds.

Medicare Enrollment Guidance

Part A & B

Understanding your enrollment windows, late enrollment penalties, and coordination with employer coverage.

Part D

Prescription drug plan selection and understanding how IRMAA surcharges apply to Part D premiums.

Medigap vs. Advantage

Helping you understand the differences and choose the right supplemental coverage for your situation.

Reduce Your Medicare Costs

Strategic planning can save you thousands in Medicare premiums every year.

Schedule IRMAA Review Call 801.210.2800

Initial consultations are complimentary for qualified families.