IRMAA (Income-Related Monthly Adjustment Amount) surcharges increase your Medicare Part B and D premiums based on your modified adjusted gross income from two years prior. In 2026, individuals with MAGI above $106,000 (or $212,000 for couples) pay higher premiums. Strategic income management can help you stay below these thresholds.
This answer is provided for general informational purposes only and does not constitute financial advice. Every family’s situation is different. For personalized guidance, schedule a free consultation with our team.
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