https://www.irmaagroup.com/news.html IRMAA brackets, Medicare surcharge updates, planning strategies, and educational articles for Medicare beneficiaries and advisors. en-us Sat, 04 Apr 2026 00:00:00 GMT https://www.irmaagroup.com/news-articles/2024-bull-market-irmaa-impact-april-2026.html Portfolio gains, capital gain distributions, and Roth conversions from a strong 2024 are now hitting Medicare premiums through the two-year lookback. Sun, 01 Mar 2026 00:00:00 GMT https://www.irmaagroup.com/news-articles/2024-bull-market-irmaa-impact-april-2026.html https://www.irmaagroup.com/news-articles/turning-63-irmaa-window-april-2026.html This is the last full year to position income before the two-year lookback locks in your Medicare premiums at enrollment. Fri, 04 Apr 2026 00:00:00 GMT https://www.irmaagroup.com/news-articles/turning-63-irmaa-window-april-2026.html https://www.irmaagroup.com/news-articles/tax-filing-ssa-44-appeal-april-2026.html The tax return you just filed may be the documentation you need to reduce your Medicare surcharge via Form SSA-44. Fri, 04 Apr 2026 00:00:00 GMT https://www.irmaagroup.com/news-articles/tax-filing-ssa-44-appeal-april-2026.html https://www.irmaagroup.com/news-articles/social-security-cola-irmaa-april-2026.html An annual cost-of-living adjustment can push borderline retirees into a higher IRMAA tier, creating a surcharge that costs more than the increase. Sun, 01 Feb 2026 00:00:00 GMT https://www.irmaagroup.com/news-articles/social-security-cola-irmaa-april-2026.html https://www.irmaagroup.com/news-articles/medicare-open-enrollment-irmaa-march-2026.html Switching plans during open enrollment does not eliminate your IRMAA surcharge. Here is what plan comparison tools do not show you. Sun, 01 Mar 2026 00:00:00 GMT https://www.irmaagroup.com/news-articles/medicare-open-enrollment-irmaa-march-2026.html https://www.irmaagroup.com/news-articles/congress-irmaa-reform-april-2026.html The top bracket is frozen through 2028 and bracket creep is pulling more retirees into surcharges. Here is what reform discussions look like and why you should plan regardless. Sun, 01 Feb 2026 00:00:00 GMT https://www.irmaagroup.com/news-articles/congress-irmaa-reform-april-2026.html