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- Income-Related Monthly Adjustment Amount (IRMAA) - Bogleheads
Income-Related Monthly Adjustment Amount (IRMAA), often abbreviated as IRMAA, is a surcharge added to monthly Medicare Part B and Part D premiums, for Medicare recipients based on their annual income [1] In effect, IRMAA reduces the subsidy that high-income beneficiaries receive from Medicare Although not described as a tax, it can behave as a tax-like cost for retired Medicare recipients
- IRMAA in 2027 based on 2025 MAGI - Bogleheads. org
The IRMAA brackets for year Y are based on the 12-month average CPI-U for September of Y-2 through August of Y-1 (Ex: IRMAA brackets for 2025 used the 12-month average CPI-U for Sep 2023 - Aug 2024 )
- IRMAA calculation for year spouse dies - Bogleheads. org
IRMAA calculation for year spouse dies by Raybo » Thu Oct 24, 2024 2:04 pm My spouse died in 2024 I will file a tax return as MFJ (Married filing jointly) for 2024 What will my IRMAA brackets be for 2026? Will it be the single or married level? Clearly, the 2027 (based on 2025) will be the single bracket
- Part D for 2026 - newbie question - Bogleheads. org
Re: Part D for 2026 - newbie question by ModifiedDuration » Wed Sep 24, 2025 10:29 pm A 2026 Roth conversion would impact 2028 IRMAA and would be based on the 2028 Part B and Part D figures and income brackets
- Managing IRMAA Exposure - A Real Example - Bogleheads. org
I just reviewed my estimates for our 2024 taxes, and found I have a real live example of an opportunity to influence our IRMAA payments in 2026 According to my current estimates of our 2024 income, we will be $13,000 over my estimate of one of the IRMMA brackets, resulting in an increased IRMAA payment of $3,000 in 2026
- When does IRMAA actually start and end? - Bogleheads. org
The problem is that you don't know the 2026 IRMAA brackets in 2024 when you are making your conversion decision Those numbers depend on inflation that has not happened yet
- Roth conversions causing me to bump up against IRMMA
It is hard to predict, but 2025 IRMAA 1 4x bracket now looks to be 3% or $3000 higher than the 2024 1 4x IRMAA brackets ( thefinancebuff ) The 2026 IRMAA 1 4x bracket is harder to predict, but may be a few thousand dollars higher
- MAGI for IRMAA question - Bogleheads. org
MAGI for IRMAA question by LilyFleur » Sun Jul 28, 2024 10:31 pm This is a question for those of you who are experts at figuring out MAGI for IRMAA: Is my state tax refund for 2023 considered part of my 2024 MAGI, for the 2026 IRMAA brackets? Thanks in advance!!
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