IRMAA One-Time Income Spike: How to Appeal & Save Thousands on Medicare

Описание: Had a one-time income spike from a Roth conversion, business sale, or stock sale? Your Medicare premiums could jump by $5,000+ per year because of IRMAA (Income-Related Monthly Adjustment Amount). Most people don't know you can appeal this—and get your premiums recalculated based on your current income instead of what you made two years ago.

In this video, I break down:
✅ What IRMAA is and how it works
✅ Why a one-time income event can trigger massive Medicare premium increases
✅ The exact life-changing events that qualify for an IRMAA appeal
✅ How to file Form SSA-44 to get your premiums reduced
✅ Real-world example: how one client saved $5,000+ with a simple appeal
✅ How to avoid IRMAA spikes in the first place with strategic planning

Medicare looks back TWO YEARS at your income to set your premiums. That means a big income year in 2023 will spike your 2025 Medicare costs—even if you're retired and living on half that income now. But you don't have to accept it. You can appeal.

📊 Free IRMAA Calculator & Full Appeal Guide:
https://michaelryanmoney.com/irmaa-on...

📋 What You'll Find in the Article:

Complete list of qualifying life-changing events
Step-by-step instructions for filing SSA-44
IRMAA bracket calculator for 2025 and beyond
Documentation checklist for your appeal
Strategies to avoid IRMAA spikes before they happen

💡 Who Should Watch This:

Anyone on Medicare who had a large one-time income event
People planning Roth conversions, business sales, or property sales
Retirees with income spikes from employer settlements or pension changes
Financial advisors helping clients navigate Medicare costs

⏰ Timestamps:
– The IRMAA Surprise
– What Is IRMAA?
– The One-Time Spike Problem
– The Solution: IRMAA Appeal
– How to Avoid the Spike
– Real-World Example
– Action Steps + Challenge

Don't leave thousands of dollars on the table. Read the full guide, file your appeal, and take back control of your Medicare premiums.

#Medicare #IRMAA #RetirementPlanning

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