"Mastering the 2026 IRMAA Brackets: A Strategic Guide to Lowering Medicare Premiums"

. How Roth Conversions Affect IRMAA 2026 Roth conversions can be a double-edged sword. While they may lower future taxable income, large conversions in 2024 could increase your MAGI and trigger IRMAA 2026 surcharges. The 2026 IRMAA brackets are strict, so exceeding a threshold by even $1 means higher monthly premiums. That’s why careful planning is key. Spread conversions over multiple years, or plan them before Social Security and Medicare begin. By understanding how the IRMAA brackets 2026 interact with Roth conversions, retirees can better time their moves to balance taxes and avoid Medicare premium spikes.