The IRMAA Trap
Why your Medicare premium just doubled. And what you can do about it.
Did Your Premium Just Double?
If your Medicare Part B premium jumped from $200 to $400 or more, you're not alone. It's called IRMAA, and it catches thousands of retirees off guard every year.
This guide explains what IRMAA is, why it happened, and what you can do about it. Written in plain English by the advisors who take these calls every week.
- 2026 IRMAA bracket tables (Part B and Part D)
- The 2-year lookback rule everyone gets wrong
- Real scenarios that trigger surcharges
- How to appeal with form SSA-44
- 6 strategies to plan ahead
What You'll Learn
The 2026 IRMAA Brackets
Complete Part B and Part D surcharge tables by income. Know exactly where you stand and what each bracket costs per month and per year.
The 2-Year Lookback
Why your 2024 tax return determines your 2026 premium. The #1 source of confusion, explained simply.
What Triggers IRMAA
Home sales, Roth conversions, inherited annuities, your last year of working. Real scenarios from real clients.
How to Appeal and Plan Ahead
The SSA-44 form most people don't know exists. Plus 6 strategies to manage your income and avoid the surcharge.
Get the Full Guide
The complete IRMAA guide with 2026 bracket tables, appeal instructions, and planning strategies. No email required. No strings attached.
12 pages. Takes about 10 minutes to read.