A $250,000 Income Triggers $7,788 in Annual Medicare Surcharges

How Part B and Part D IRMAA penalties stack at different income thresholds

The Details

Roth conversions in your 60s could trigger IRMAA surcharges that cost more than the taxes you're trying to avoid. A $100,000 conversion might save $25,000 in future taxes but trigger $15,000 in Medicare surcharges over 2 years.

What this means for you

Retirement decisions compound — getting one of these details wrong can cost tens of thousands of dollars over a retirement. The good news: most of these mistakes are completely avoidable if you understand how the rule actually works.

Next step

If you want to see how this applies to your specific situation, take the free Retire Ready Score — a 2-minute assessment that scores your current plan across income, taxes, healthcare, and protection.