Think Medicare is free once you turn 65? Not quite. Many retirees are shocked to discover IRMAA—the Income-Related Monthly Adjustment Amount—a hidden surcharge that increases your Medicare Part B and Part D premiums if your income crosses certain thresholds. This can quietly shrink your Social Security check by thousands of dollars a year, and most people don’t even realize it until it shows up in their statement.

Here’s some of what we discuss in this episode:

🧾 What IRMAA is and how it can impact you 

💸 What triggers IRMAA (and what doesn’t)

⚠️ Even widows or surviving spouses can be impacted 

✅ How smart planning can reduce or even avoid these costly surprises

Medicare.gov

https://www.medicare.gov/

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