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Question

How can I avoid the IRMAA surcharge?

Answer

You may be able to manage IRMAA by keeping your MAGI below the designated thresholds. Strategies include utilizing tax-free Roth IRA distributions, making Qualified Charitable Distributions (QCDs), and carefully timing capital gains.

Related FAQs

What is the difference between IRMAA and Social Security tax?

Where can I find the current IRMAA brackets?

Can Roth conversions affect my Medicare premiums?
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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