8% of Medicare Beneficiaries Pay Surcharges
24 Sept 2026 · 0 min
0:25
In this brief video, the speaker highlights that approximately 8% of Medicare beneficiaries are subject to Income‑Related Monthly Adjustment Amount (IRMAA) surcharges. He notes that standard seniors typically cover about 25% of their Part B premiums out‑of‑pocket, but a single additional dollar of reported income can trigger higher premiums for an entire 12‑month period for both Part B and Part D. The speaker outlines a “playbook” for avoiding or reducing these surcharges, which includes using Roth conversions, qualified charitable distributions (QCDs), and filing Form SSA‑44 to contest the income determination. He also reminds viewers that Medicare applies a two‑year income look‑back when calculating IRMAA.
