I'm With Amanda Medicare Podcast
Did your Medicare premium suddenly increase? You may be affected by IRMAA (Income-Related Monthly Adjustment Amount)—a Medicare surcharge based on your income from two years ago. In this episode, local Medicare expert Amanda from I'm With Amanda breaks down: What IRMAA is and why it impacts your Medicare costs 2026 income thresholds and premium increases How IRMAA is calculated using your tax return How to file an appeal using the SSA-44 form Common mistakes (like Roth conversions) that can trigger higher premiums Strategies to reduce or avoid IRMAA If you live in Central New York and have questions about Medicare costs, premiums, or IRMAA, this video will help you understand your options and avoid overpaying. 🌐 Learn more: https://imwithamanda.com/ https://imwithamanda.com/ 00:00 – Intro: What Is IRMAA & Why You Got That Letter 00:26 – Why Medicare Premiums Can Increase 00:55 – What IRMAA Actually Means (Simple Explanation) 01:25 – How IRMAA Is Calculated Each Year 01:53 – When You’ll Get an IRMAA Letter 02:04 – Why IRMAA Is Based on Income From 2 Years Ago 02:30 – 2026 IRMAA Income Brackets Explained 03:05 – Married vs Single Income Thresholds 03:29 – How Much IRMAA Can Increase Your Premium 03:50 – Real Example: $450K Income Breakdown 04:13 – Single Filers: Key IRMAA Thresholds 04:45 – Life Changes That Can Reduce IRMAA 05:26 – What Is the SSA-44 Form (How to Appeal IRMAA) 05:49 – Qualifying Life Events That Lower IRMAA 06:33 – Documents You Need for an IRMAA Appeal 07:24 – Important Warning: Be Accurate With Income 08:01 – What Does NOT Qualify for IRMAA Reduction 08:27 – Roth Conversions & IRMAA (Big Mistake to Avoid) 09:06 – How to Plan Ahead to Avoid IRMAA 09:35 – Final Takeaways: Lowering Your Medicare Costs 10:11 – How to Get Help With IRMAA Questions #Medicare #IRMAA #MedicareCosts #MedicareTips #RetirementPlanning #MedicarePremiums #SocialSecurity #FinancialPlanning #MedicareEducation #AEP2026 #InsuranceTips Support the show [https://www.buzzsprout.com/2448518/support]
17 episodios
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