Estimate potential IRMAA surcharges based on your projected income. Results are for informational purposes only.
Your tax filing status. Joint filers have higher IRMAA thresholds than single filers.
Your Modified Adjusted Gross Income from 2 years ago — Medicare uses a 2-year lookback.
Your current age. Used to project future years in the analysis.
Some individuals discuss these topics with a qualified financial advisor or tax professional:
Conversions from traditional to Roth accounts may affect MAGI. Consult a tax professional about potential implications.
Qualified charitable contributions and donor-advised funds may help reduce MAGI in certain situations.
May help offset capital gains to potentially reduce taxable income and MAGI in high-income years.
Reviewing deductible business expenses and retirement plan contributions may help manage MAGI.
Some individuals explore deferring income to years with lower anticipated MAGI. Consult a tax professional.
Reviewing enrollment periods and plan selections annually may help manage total healthcare costs.
| Year | Age | MAGI | Part B Premium | Part D Premium | IRMAA Surcharge | Annual Total |
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