Blog
Guides about IRMAA, Form SSA 44, and asking Social Security to use newer income after a life event.
October 17, 2026
Do Capital Gains Affect IRMAA? 2026 Medicare Example & Appeal Rules
Yes. Taxable capital gains can raise Medicare IRMAA. See the official 2026 premium example, two-year lookback, home-sale rules, and SSA-44 limits.
October 17, 2026
Do RMDs Affect IRMAA? 2026 Medicare Costs & Examples
Yes. The taxable part of an RMD counts toward IRMAA, two years later. See 2026 brackets, a worked example, how QCDs help, and when an appeal can work.
October 17, 2026
IRMAA Two-Year Lookback: Which Tax Year Does Medicare Use?
2026 Medicare premiums use your 2024 tax return; 2027 generally uses 2025. See when Social Security uses a different year and what you can still change.
October 17, 2026
Roth Conversion and IRMAA: How It Affects Medicare Premiums
See how taxable Roth conversions affect IRMAA, the two-year lookback, Medicare bracket costs, and when SSA-44 can help after retirement.
October 6, 2026
How to Appeal IRMAA After Retirement: SSA-44 Step-by-Step Guide
Retired but still charged IRMAA on old income? See when retirement qualifies, which tax year goes on Form SSA-44, what proof to attach, and what happens next.
October 4, 2026
How to Calculate MAGI for IRMAA
For most retirees, IRMAA MAGI is two numbers from the federal tax return added together. Those are adjusted gross income (Form 1040, line 11, or line 11a on a 2025 return) and tax-exempt interest (line 2a).