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Think Medicare is free once you hit 65? Not quite. Many retirees are surprised by IRMAA—the Income-Related Monthly Adjustment Amount. This hidden surcharge can quietly increase your Medicare Part B and Part D premiums, shrinking your Social Security check by thousands each year. The frustrating part? It’s tied to your income from two years prior, so you might trigger higher premiums without even realizing it.

Here’s what we discuss in this episode:

🧾 What IRMAA is and who it will impact

💵 IRMAA Triggers: RMDs, capital gains, pensions, and stock sales

🎯 Tips to avoid IRMAA

🧠 Smart tax planning helps reduce or avoid costly surcharges

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