Why Some Retirees Pay $689.90 a Month for Medicare While Others Pay $202.90

Quick Read Crossing an income threshold by $5,000 triggers $974 in additional annual Medicare costs through IRMAA surcharges. 2026 Medicare premiums are determined by 2024 income. One-time IRA withdrawals or Roth conversions can trigger surcharges two years later. Disposable income per capita grew 5.3% while inflation rose 2.16%. More retirees cross IRMAA thresholds despite stable living standards. A recent study identified one single habit that doubled Americans’ retirement savings and moved retir ...