Steinhandler Wealth50+ years of wealth preservation
IRMAA surcharges can add over $10,000/year to your Medicare premiums — and they're based on income from two years ago. Most people don't see it coming.
These thresholds change each year — IRMAA is indexed to inflation but with a one-year lag. Married couples filing separately face a much harsher schedule (Tier 1 starts at $106,000 MAGI). Special rules apply if you delay Medicare enrollment because of employer coverage.
Your modified adjusted gross income — one number
Find out your Part B and Part D premium costs instantly
See which income strategies could drop you to a cheaper tier
IRMAA surcharges kick in at specific income thresholds — and they jump in large, expensive steps. A single dollar over the line can cost you thousands per year in higher premiums.
Perry has spent the last forty years turning his clients from strangers into family. With a focus on conservative-money strategies, Perry helps his clients create income streams to see them to and through their retirement years. He's always looking ahead to ensure his work benefits future generations.
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