IRMAA is a surcharge on Medicare Part B and Part D that jumps in full at each income line. Your 2026 income sets your 2028 surcharge, so there is still time to act.
Your Medicare surcharge is driven by MAGI, and MAGI is manageable. Roth conversion sequencing, asset location, qualified charitable distributions, and the timing of your withdrawals can often lower it.
Educational estimate only, not tax, legal, or investment advice, and not an offer of advisory services. IRMAA is federal and does not vary by state. Figures reflect 2026 Medicare brackets based on 2024 MAGI and are cross-checked against public sources; confirm current amounts at Medicare.gov and SSA.gov before acting. IRMAA is charged per enrolled individual. Copyright © 2026 All rights reserved. This content is copyright protected. No part may be reproduced, altered, or copied in any form without written consent. Information contained herein is for informational purposes only and should not be construed as an offer, solicitation, or recommendation to buy or sell securities, or personalized investment, tax or legal advice. The information has been obtained from sources believed to be reliable; however no guarantee is made or implied with respect to its accuracy, timeliness, or completeness. The information and content are subject to change without notice. Treveri Capital LLC is a California registered investment advisor. CRPC®, Chartered Retirement Planning Counselor℠ are trademarks or registered service marks of the College for Financial Planning in the United States and/or other countries.