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Question

How do I check my income-related monthly adjustment amount (IRMAA) threshold before doing a Roth conversion?

Answer

You can find the current brackets on the Social Security Administration’s IRMAA page. Your Medicare IRMAA surcharge is based on your modified adjusted gross income from two years prior; for 2026, the first threshold for joint filers is $218,000. A tax professional can help you model how a conversion might affect your premiums two years down the line.

Related FAQs

Which is better for my heirs: a Roth IRA or a traditional IRA?

What’s the difference between a Roth conversion and a regular IRA withdrawal?

Where can I find help with retirement tax planning and Roth conversions?
Retirement Tax Planning Asset Protection Retirement Planning Social Security Tax Basics Tax Tips & Tricks Early Retirement Generational Wealth Year-Round Tax Planning FAQs
Last Updated Oct. 2, 2026
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