Investment income, including capital gains, dividends, rental income, and tax-exempt interest, counts toward Modified Adjusted Gross Income (MAGI) and can increase IRMAA costs. Selling stocks, mutual funds, or real estate at a gain in 2024 could push an individual into a higher IRMAA bracket for 2026. To minimize the impact, investors should consider tax-loss harvesting, strategic wit... https://www.federalpensionadvisors.com/post/2025-irmaa-brackets