How the 2026 Medicare Surcharge Hits High Earners

In this episode of The Tax Strategy Podcast, Lucas and Luna break down the Income-Related Monthly Adjustment Amount, or IRMAA, and how it quietly raises Medicare Part B and Part D premiums for high earners in 2026. Using a concrete example of a married couple with $212,000 in modified adjusted gross income, they show exactly how a Roth conversion or a capital gain can push you over the threshold and trigger surcharges that last for two years. They explain why the look-back period uses your tax return from two years ago, how to appeal using Form SSA-44, and what the new 2026 brackets look like after inflation adjustments. If you're planning retirement income or thinking about Roth conversions, this episode gives you the numbers you need to avoid a costly surprise. Tune in to learn how to keep more of your Social Security and healthcare dollars in your pocket. #IRMAA #MedicareSurcharge #2026TaxPlanning #RothConversion #HighIncome #RetirementPlanning #TaxStrategy #SocialSecurity #HealthcareCosts #InflationAdjustments #FormSSA44 #ModifiedAdjustedGrossIncome #TaxBrackets #Finance #Business #FexingoBusiness #BusinessPodcast #TaxSeason Keep every episode free: buymeacoffee.com/fexingo