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Question

Can Roth conversions affect my Medicare premiums?

Answer

Yes, the amount converted from a traditional IRA to a Roth IRA is included in your taxable income for that year. This increase in MAGI can potentially push you into a higher IRMAA bracket and increase your Medicare premiums two years later.

Related FAQs

Where can I find the current IRMAA brackets?

How can I avoid the IRMAA surcharge?

What is the difference between IRMAA and Social Security tax?
Tax Planning Retirement Charitable Giving Social Security Living in Retirement Tax Tips & Tricks Healthcare & Medicare FAQs
Last Updated May 27, 2026
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