IRS 2026 Senior Deduction Update 🚨 Avoid the Medicare IRMAA Trap

Описание: IRS 2026 Senior Deduction Update 🚨 Avoid the Medicare IRMAA Trap
#RetireRightUSA #IRS2026 #IRMAA

💰 A massive IRS tax break for seniors is making headlines — but there’s a catch.
In 2026, married couples over 65 may qualify for a $47,500 standard deduction, helping reduce taxable income. However, many retirees are being blindsided by a hidden Medicare rule (IRMAA) that can raise premiums by $300 or more per month 😟.

In this video, we explain the IRS senior deduction 2026, how it works, and why higher reported income — even from smart tax moves like Roth conversions — can accidentally trigger the Medicare Trap.

You’ll also learn how to protect yourself using Form SSA-44, a little-known tool that can lower Medicare premiums after a life-changing event.

📅 With tax season starting January 26, this is must-know information for retirees, seniors, and anyone planning ahead.

⏱️ VIDEO TIMELINES

00:00 – IRS $47,500 Deduction: What’s Really New
02:10 – Standard Deduction for Seniors Over 65 Explained
04:05 – The Medicare Trap: What Is IRMAA?
06:10 – How Income Triggers Higher Medicare Premiums
08:05 – Real-Life Example: Roth Conversion Mistake
10:15 – How to Avoid the IRMAA Penalty
12:00 – Form SSA-44 Step-by-Step Walkthrough
14:10 – 2026 Tax Season Checklist for Retirees
15:30 – Key Takeaways & What to Do Next

📌 WHY THIS MATTERS

✔ IRS tax changes can increase Medicare costs
✔ IRMAA affects Part B & Part D premiums
✔ One mistake can cost thousands per year
✔ Planning ahead can protect retirement income

#RetireRightUSA #IRS2026 #SeniorTaxDeduction #MedicareTrap #IRMAA #RetirementTaxes #SocialSecurity #MedicarePremiums #SSA44 #TaxPlanning #RetireeFinance #Over65 #TaxSeason2026 #FinancialEducation

📌 COMMENT
⚠️ Important for Retirees & Seniors:
A larger IRS deduction can help lower taxes, but income levels also affect Medicare premiums. Many retirees don’t realize that tax strategies like Roth conversions or withdrawals can trigger IRMAA surcharges.

✅ Know your income thresholds
✅ Plan before tax season
✅ Ask about Form SSA-44 if you’ve had a life-changing event

💬 Have Medicare premiums surprised you before? Share your experience below — it helps others learn.