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Medicare’s income surcharge — IRMAA — is one of the sneakiest tax traps in retirement. For 2026, it kicks in when your 2024 modified adjusted gross income tops $109,000 for single filers or $218,000 for joint filers. And it is a cliff: just $1 over the line adds $95.70 a month to your Part B and Part D premiums, or about $1,148 a year.
Because the Social Security Administration looks back two years, a Roth conversion or a big capital gain from 2024 can still be raising your 2026 premiums today.
Have you ever been hit by IRMAA — and do you plan your income around it now?
Log in and share your take — the best answers help everyone here.
Not financial advice.
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