IRMAA Guides and Planning Tools

Find the plain-English answer that matches your income decision, Medicare premium question, or appeal situation.

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Interactive IRMAA planning tools

Choose the decision you are considering and see the possible Medicare premium impact before acting.

IRMAA calculatorStart with any income event Roth conversion calculatorTest a conversion and schedule RMD calculatorModel required distributions Capital gains calculatorCheck a stock or asset sale Home sale calculatorEstimate taxable sale gain impact SSA-44 timing checkerCheck whether an appeal may fit

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New to IRMAA? Begin with the basics, learn which income year Medicare uses, then check what counts toward Medicare MAGI.

What is IRMAA? IRMAA two-year lookback What counts toward IRMAA MAGI? 2026 IRMAA brackets Medicare Part B premium 2026

Income decisions

Does a Roth conversion affect IRMAA? Do RMDs affect Medicare premiums? Do IRA withdrawals affect Medicare premiums? Do capital gains affect Medicare premiums? Does selling a house affect Medicare premiums? Does a 401(k) contribution reduce IRMAA MAGI? Backdoor Roth and IRMAA QCD and IRMAA planning

Medicare MAGI and household questions

Medicare MAGI guide Medicare MAGI vs ACA MAGI Municipal bond interest and IRMAA Does Social Security count toward IRMAA? Do both spouses pay IRMAA? Widow penalty and IRMAA Understanding the IRMAA cliff Ways to reduce IRMAA surprises

Appeals and special situations

SSA-44 form guide SSA-44 appeal timing checker One-time income spike and IRMAA How long does IRMAA last? How to avoid IRMAA surprises IRMAA planning checklist

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