Don't Overpay
for Medicare.
Strategic IRMAA Management.
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
Does This Sound Familiar?
The most common Medicare and IRMAA mistakes we see with higher-income retirees.
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.
Strategic IRMAA Management.
Avoid the Surcharges Before They Hit.
IRMAA Cost Avoidance
Complete Medicare Planning
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.
- 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
Multi-Year
Income Coordination
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.
Strategic Withdrawal Sequencing
Control your Modified Adjusted Gross Income (MAGI) through careful planning of which accounts to withdraw from and when.
Charitable Income Strategies
Use Qualified Charitable Distributions and donor-advised funds to reduce your taxable income while supporting causes you care about.
Project Your Income
Model your income for the next 5-10 years to identify which years you'll be subject to IRMAA surcharges.
Build the Strategy
Coordinate withdrawals, Roth conversions, and charitable giving to stay below IRMAA thresholds.
Monitor & Adjust
Review your income annually and adjust the plan as tax laws, Medicare rules, or your situation changes.
2026 Medicare IRMAA Surcharge Table
Based on your Modified Adjusted Gross Income (MAGI) from 2024 tax returns. These surcharges are per person — a married couple both on Medicare pays double.
| Tier | Single Filer | Married Filing Jointly | Part B Monthly Surcharge | Part D Monthly Surcharge |
|---|---|---|---|---|
| No IRMAA | $109,000 or less | $218,000 or less | $0 | $0 |
| Tier 1 | $109,001 - $136,000 | $218,001 - $272,000 | +$74.00 | +$13.70 |
| Tier 2 | $136,001 - $170,000 | $272,001 - $340,000 | +$185.00 | +$35.30 |
| Tier 3 | $170,001 - $213,000 | $340,001 - $426,000 | +$295.90 | +$57.00 |
| Tier 4 | $213,001 - $500,000 | $426,001 - $750,000 | +$406.90 | +$78.60 |
| Tier 5 | Above $500,000 | Above $750,000 | +$443.90 | +$85.80 |
Surcharges are per person. A married couple both on Medicare at Tier 1 pays an extra $175.40/month ($2,104.80/year) combined. At Tier 4, the combined annual surcharge exceeds $11,600. Strategic income management can help you stay below the first threshold entirely.
2026 IRMAA Bracket Table
Income-Related Monthly Adjustment Amounts added to your standard Part B and Part D premiums. Based on Modified Adjusted Gross Income from 2024 tax returns.
| Tier | Single Filer | Married Filing Jointly | Part B Surcharge | Part D Surcharge |
|---|---|---|---|---|
| Base | ≤ $106,000 | ≤ $212,000 | $0 | $0 |
| Tier 1 | $106,001 – $133,000 | $212,001 – $266,000 | +$74.00 | +$13.70 |
| Tier 2 | $133,001 – $167,000 | $266,001 – $334,000 | +$185.00 | +$35.30 |
| Tier 3 | $167,001 – $200,000 | $334,001 – $400,000 | +$295.90 | +$57.00 |
| Tier 4 | $200,001 – $500,000 | $400,001 – $750,000 | +$406.90 | +$78.60 |
| Tier 5 | > $500,000 | > $750,000 | +$443.90 | +$85.80 |
Surcharges are per person, per month. A married couple both on Medicare could pay double these amounts. IRMAA is based on your MAGI from two years prior.
Medicare & IRMAA FAQ
Learn how to reduce your Medicare costs with smart planning.
Ask About IRMAAReady to minimize your Medicare costs?
Every income situation is unique. Schedule a complimentary visit to create a strategy for avoiding IRMAA surcharges and optimizing your Medicare costs.
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