Investing at Age 76
Medicare Part B and Part D IRMAA surcharges are based on your modified adjusted gross income from two years earlier. Your 2026 premium brackets use your 2024 MAGI. Large Roth conversions, asset sales, or RMDs can trigger IRMAA. Review your projected income for the current year to estimate how it will affect Medicare premiums two years from now. If income spiked due to a one-time event, you can appeal IRMAA using Form SSA-44.