IRMAA 2026 may seem like a future issue, but your current income decisions directly impact it. That’s because Medicare uses a two-year look-back period, meaning 2024 income determines IRMAA 2026 surcharges. If you’re considering a big financial move, like a Roth conversion or a business sale, make sure it won’t push you into a higher tier. Understanding the MAGI thresholds tied to IRM... https://www.federalpensionadvisors.com/post/2025-irmaa-brackets