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Index/Topics/Tax Planning for IRMAA

Tax Planning for IRMAA

The strategies used to mitigate IRMAA, including timing Roth conversions, pairing qualifying and non-qualifying events, and charitable giving.

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Jan 27, 2026

How does Modified Adjusted Gross Income (MAGI) differ from AGI for IRMAA calculations?

Modified Adjusted Gross Income () for IRMAA purposes is not a mysterious new tax base but a simple tweak to the Adjusted Gross Income (AGI) reported on a tax return: for Medicare’s Income-Related Mont...