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Index/Topics/IRMAA Retroactive Credits

IRMAA Retroactive Credits

Retroactive credits for Medicare Part B and Part D premiums based on Modified Adjusted Gross Income

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3 results
Jan 25, 2026
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What tax‑planning strategies meaningfully reduce 2‑year lookback MAGI for Medicare (e.g., QCDs, Roth conversions) and what are tradeoffs?

Medicare’s IRMAA is driven by the Modified Adjusted Gross Income (MAGI) on a tax return filed two years earlier, so planning in the look‑back years is the lever that meaningfully changes future premiu...

Jan 24, 2026

What legislative proposals since 2024 could change what counts toward MAGI for Medicare IRMAA?

Since 2024, the reporting reviewed does not document any concrete, enacted or pending federal legislative proposal that would explicitly redefine what counts toward Modified Adjusted Gross Income (MAG...

Jan 10, 2026

What are successful strategies for obtaining retroactive IRMAA credits after approval?

Successful retroactive IRMAA credits start with understanding that IRMAA is calculated from Modified Adjusted Gross Income two years earlier and that approved appeals can be applied retroactively — bu...

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