• $175K MAGI triggers tier 4 IRMAA, adding $385/month ($4,600/year) to 2026 Medicare premiums via two-year lookback.

$175K MAGI triggers tier 4 IRMAA, adding $385/month ($4,600/year) to 2026 Medicare premiums via two-year lookback.

  • File Form SSA-44 immediately if income drops legitimately; run Roth conversions before age 63, not after.

File Form SSA-44 immediately if income drops legitimately; run Roth conversions before age 63, not after.

  • Are you ahead, or behind on retirement?

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