The Truth About IRMAA — Medicare’s Sneaky Income Penalty

Описание: Most retirees never see it coming. You plan carefully, save responsibly, and finally hit retirement — only to open a letter from Social Security saying your Medicare costs are going up by hundreds of dollars a month. The reason? A little-known rule called IRMAA (short for Income-Related Monthly Adjustment Amount). It’s one of the most confusing and frustrating parts of Medicare, and it penalizes people who often did everything right.

In this video, I’m explaining IRMAA in detail. When it triggers, and why even one dollar over the income limit can raise your premiums by thousands a year. I'll also break down how you can appeal IRMAA and minimize any penalties you've incurred. Whether you’re still working, recently retired, or living off investments, this is something you NEED to understand before the next tax season hits.

0:00 What is IRMAA anyway?
1:16 Income Related Monthly Adjustment Amount explained
2:50 $1 IRMAA Trap Example
4:42 IRMAA penalties are hitting harder in 2026
5:50 How to appeal IRMAA penalties

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