2026 Medicare IRMAA Brackets: What Triggers Higher Premiums and How to Avoid
Medicare IRMAA increases Part B and Part D premiums when your income exceeds specific thresholds based on your MAGI from two years prior. In 2026, managing income through strategies like Roth conversions, withdrawal timing, and tax planning can help reduce or avoid these surcharges. Even small income increases can trigger higher premiums, making proactive planning essential. Greenbush Financial Group helps retirees minimize IRMAA and control long-term healthcare costs.
NYS Retiree Medicare Part B and IRMAA Reimbursement Process Explained
New York State retiree health benefits include a powerful perk: reimbursement for Medicare Part B premiums after age 65. But many retirees don’t realize that IRMAA surcharges can also be reimbursed — and that process is manual. This guide explains how NYS Part B reimbursement works automatically through pension increases, how IRMAA (Income-Related Monthly Adjustment Amount) raises Medicare premiums for higher earners, what form you must file to get IRMAA money back, and how to claim up to four years of missed reimbursements.
Planning for Healthcare Costs in Retirement: Why Medicare Isn’t Enough
Healthcare often becomes one of the largest and most underestimated retirement expenses. From Medicare premiums to prescription drugs and long-term care, this article from Greenbush Financial Group explains why healthcare planning is critical—and how to prepare before and after age 65.
Retiring Before 65? How to Bridge the Health Insurance Gap Until Medicare
Retiring before age 65 creates a major challenge: how to pay for health insurance until Medicare begins. Greenbush Financial Group outlines options including ACA exchange subsidies, COBRA, spouse employer plans, and HSAs—plus key planning steps to manage income, reduce costs, and avoid gaps in coverage.
Filing a Medicare Income Appeal Form: What You Need to Know
Paying higher Medicare premiums than you should? If your income has dropped, you may qualify to file Form SSA-44 and appeal your IRMAA surcharge. Our guide explains how Medicare’s income-based premiums work, which life events allow an appeal, and how to lower your Part B and Part D costs.
The HSA 6-Month Rule: What Happens When You Enroll in Medicare at Age 65
If you’re approaching age 65 and contributing to a Health Savings Account (HSA), there’s a little-known Medicare rule that could quietly cost you.
Self-employed Individuals Are Allowed To Take A Tax Deduction For Their Medicare Premiums
If you are age 65 or older and self-employed, I have great news, you may be able to take a tax deduction for your Medicare Part A, B, C, and D premiums as well as the premiums that you pay for your Medicare Advantage or Medicare Supplemental coverage.
Medicare Is Projected To Be Insolvent In 2028
The trustees of the Medicare program just released their 2022 annual report and it came with some really bad news. The Medicare Part A Hospital Insurance (HI) Trust is expected to be insolvent in 2028 which currently provides health benefits to over 63 million Americans. We have been kicking the can down the road for the past 40 years and we have finally run out of road.
