factually
Index/Topics/Roth IRA Withdrawals

Roth IRA Withdrawals

The effect of qualified Roth IRA withdrawals on MAGI and IRMAA surcharges.

Fact-Checks

2 results
Jan 16, 2026
Most Viewed

How do Roth conversions affect Medicare IRMAA and Part B/Part D premiums?

Roth conversions count as taxable income in the year of the conversion and therefore can push a beneficiary’s modified adjusted gross income (MAGI) above IRMAA thresholds, triggering higher Medicare P...

Jan 14, 2026
Most Viewed

Do tax-free retirement account withdrawals affect IRMAA for Medicare Part B/D premiums?

Yes — withdrawals that are truly tax-free generally do not raise the MAGI figure the Social Security Administration (SSA) uses to calculate IRMAA, while taxable distributions from traditional retireme...