Topic Archive
IRMAA is one of the least intuitive Medicare costs in retirement planning. This topic page collects articles on how higher income can raise Medicare premiums and how to plan around those cliffs.
A lot of retirees treat RMDs like an administrative nuisance. They are not. A badly timed RMD can stack on top of Social Security, pensions, capital gains, and Roth conversions to create a surprisingly expensive tax year.
Read articleYou're 65. Your income hits $103,001. Congratulations - you just triggered an extra $1,678/year in Medicare premiums. And because it's based on 2-year-old income, you might not even realize it until you get the bill.
Read articleProject income spikes, Roth conversions, and retirement withdrawals with IRMAA in view instead of as an afterthought.