The 1 Roth Conversion Move That Can Slash Your Medicare Premiums for Life

Quick Read IRMAA surcharges start at $109,000 income for single filers in 2026. High earners pay up to $487 extra monthly. Roth IRA distributions don’t count as taxable income for IRMAA purposes, potentially avoiding Medicare premium surcharges. Roth conversions are taxable events. Converting after age 63 can trigger IRMAA surcharges two years later. A recent study identified one single habit that doubled Americans’ retirement savings and moved retirement from dream, to reality. Read more here. ...