@themedicarefamily: Medicare Irma is a CLIFF, meaning if you go over that bracket by only one dollar you’ll pay more for that bracket of income for one calendar year Medicare Irma looks back two years at your modified adjusted gross income. Medicare arm is recalculated annually. You might trigger it once or many times in your retirement years. If you’re getting ready to start Medicare our company The Medicare Family helps people for free and all 50 states.

Sylvia Gordon | Medicare Mama®
Sylvia Gordon | Medicare Mama®
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Region: US
Sunday 29 March 2026 23:00:00 GMT
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rsinglwh57d
arel :
This whole IRMAA thing is such a ripoff. The more you make the more your penalized, especially when you’ve paid the maximum in anyway.
2026-03-30 13:45:09
57
dmc_906
Denise :
What if I’m 62 and still working full time? Single
2026-03-30 22:30:57
3
1677genjd6
user9890267454881 :
What about if you withdraw from a CD ; does that affect IRMA ?
2026-04-20 06:08:53
0
bob.bob1713
Bob Bob :
i have been losing sleep over this. i want to close my 401k and keep the money accessible. does it work if we filled taxes married separately? neither of us make close to the 109,000 separately.
2026-03-31 12:01:13
4
tlmunz
tlmunz :
What about when you have to start withdrawing it??
2026-03-29 23:58:59
2
skydiva6270
Skydiva6270 :
It’s absurd that the cliff for single filers is 1/2 that of a couple. My new roof, driveway and AC system cost the same as theirs, but if I take $$$ from my IRA to fund those, I’d have to pay IRMAA premiums due to the withdrawal and the couple next door would not.
2026-04-17 19:47:49
5
lenbyron
lenbyron :
Will the middle class be allowed to straighten up at any time? It hurts!!!
2026-04-23 13:59:21
3
sheliakilgore66
shelia 1966 :
Someone told me that anything in your 401k or sticks the government does not look at that. Is this true or not? They told me that when you sign up they only check on your bank accounts.
2026-05-16 22:47:26
0
cabbagepatch1622
Zena P :
For how long once it triggers irrma before you revert to Medicare
2026-04-21 17:36:23
0
mommabear2916
Momma ❌ :
This whole whole whole thing makes me sick to my stomach
2026-04-24 21:13:39
2
bobbiep1428
Bobbie :
What is the limit if you are single?
2026-04-06 14:01:03
9
user685579416
Joe :
if i take my pension will it affect my medicare
2026-05-19 01:41:28
1
shellymcdonough
Shelly Mcdonough :
I absolutely hate this, you do everything right, plan for your retirement, saved and now you have to pay a huge penalty because you have money!!! my 81yr old mom pays $750 a month in irma because her and my dad saved for retirement
2026-04-25 12:13:34
2
james.m341
Chevy 🪳 :
Isn’t it silly that it triggers IRMA? Although it was tax deferred, we’ve already paid FICA taxes on it.
2026-03-31 21:18:44
11
colleen889
Colleen5909 :
What if you are taking RMDs from a trust Ira bc you have to?
2026-03-31 02:08:49
1
michelle.california
michelle.california :
$800 a month it is what it is. It’s cheaper than the marketplace.
2026-03-30 20:20:58
2
sweetrelish_62
SweetRelish_62 :
Can you explain how it costs you $6000 surcharge? You pay that per month?
2026-03-31 01:40:20
0
trylnair
Trylnair :
what if i am 62 and want to retire at 64 do I need to wait until 65 if I already took money at 62?
2026-03-31 04:42:23
3
wazdo99
wazdo99 :
We both have an IRA does it matter whose account we withdrawal from does it have to be equal amounts from each?
2026-03-30 11:30:51
1
ar51844
Think it ain't! :
Does social security count towards the total amount per year?
2026-03-29 23:53:30
2
michaelclark337
Big Mike :
What? I’m more lose now
2026-03-29 23:38:49
2
quelvich
Que :
what if I am 64 but will retire at 67. still able to withdraw before 65?
2026-03-30 13:09:30
1
kimmarhefka
Kim :
is it still $218k if I am separated, still married and file separately?
2026-03-31 01:50:04
1
user4079660959303
Tonya Walters667 :
Thank you!!
2026-03-29 23:48:06
1
yeasty.mcrevice
Yeasty Mcrevis :
I love you 💕
2026-03-29 23:47:13
1
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