Medicare IRMAA Trap 2026: How to Avoid Higher Premiums

IRMAA is an extra Medicare Part B and D surcharge for high-income retirees, based on Modified Adjusted Gross Income from two years prior. In 2026, standard Part B premiums are $202.90, but higher earners pay 35%-85% more. Even $1 over the threshold triggers IRMAA, though appeals are possible after life changes. Planning, like Roth IRA conversions, can reduce future IRMAA costs but requires careful timing.