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IRMAA Surcharge Explained: Why Medicare Premiums Jump (and How to Plan)

IRMAA Surcharge Explained: Why Medicare Premiums Jump (and How to Plan)

by Nathan Gauger | Jan 7, 2026 | Retiree Taxes, Tax Preparation

Have you opened a Medicare premium notice and thought, “Wait… why did this get so expensive?” You’re not alone. One of the most common surprise costs for retirees (especially after a big-income year) is IRMAA. IRMAA stands for Income-Related Monthly Adjustment Amount....
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