Medicare · Free PDF · 8 pages
Medicare and IRMAA Basics
Parts, premiums, enrollment windows, and the income cliffs that raise them.
What you'll learn
- What Parts A, B, C, and D actually cover and cost
- Enrollment windows — and the lifelong penalties for missing them
- How IRMAA's two-year lookback and cliff structure really work
- When you can appeal a surcharge with form SSA-44 (and how)
Results are estimates for educational purposes and may not reflect your complete financial or tax situation. This guide is educational and is not individualized financial, tax, or legal advice.
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Use alongside this guide
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- Roth ConversionSee which federal brackets a proposed Roth conversion would fill, the estimated extra tax, and how much room remains in your target bracket.Calculator
- IRMAA, Explained: Medicare's Two-Year Lookback and Its All-or-Nothing Cliffs6 min readArticle