In the IRMAA Trenches with IRMAA Certified Planner, Paul Morrison

Episode 435 of the Retirement Starts Today podcast, hosted by Benjamin Brandt, Paul Morrison, titled "In the IRMAA Trenches with IRMAA Certified Planner, Paul Morrison" was published on January 12, 2026 and runs 23 minutes.

January 12, 2026 ·23m · Retirement Starts Today

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Episode Description

Paul Morrison details how Medicare premiums, including the IRMAA surcharge, are inflating at a rate higher than Social Security COLAs. This disparity is causing concern, as premiums can potentially consume a retiree's entire Social Security benefit over time, especially for those in higher IRMAA brackets for an extended period.

Paul provides concrete examples of how extended periods in higher IRMAA brackets could lead to Medicare premiums exceeding Social Security benefits, forcing retirees to pay out-of-pocket.

Resources:

Contact Paul Morrison: [email protected]
Website: irmaacertifiedplanner.com

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