Medicare’s Income Related Monthly Adjustment Amount

The Social Security and Medicare systems are becoming a convoluted disaster that are on track to completely destroy Baby Boomers’ retirements.

Tax Free Retirement: Is This For You?

What is IRMAA

IRMAA is a surcharge on top of your Medicare Part B and Part D premiums for having too much income.

Tax Free Retirement

How do you pay for it?

IRMAA is paid for from your Social Security benefits.

Your own retirement savings are being used against you to:

The 4 Rules of Retirement


In retirement you must enroll into Medicare if you no longer have creditable health coverage through an employer or spouse’s employer and are 65 years-0ld or older.

Failure to enroll results in the immediate loss of all Social Security benefits.


Medicare premiums are based on your income through IRMAA.

The more income you have in retirement the higher your Medicare premiums.


The more income you have in retirement the higher your Medicare premiums.

Some examples of income for IRMAA are:

  • Social Security benefits
  • Wages
  • Interest
  • Pension & Rental Income
  • Capital Gains
  • Dividends & any distribution from any Traditional 401(k)
  • IRA or SEP account


The bulk of your Medicare costs and all IRMAA surcharges are automatically paid by your Social Security benefit.

The more you save incorrectly for retirement the less Social Security benefit you will receive.

The unpleasant message here is that if Medicare costs were not properly factored into a retirement plan, that retirement plan could very well be worthless.

Get Your Custom IRMAA Proposal!

Sit down with you and fill in some basic information. This information includes things like name, retirement income sources, and tax filing status.

The Medicare IRMAA Calculator software then takes that information and compares it against thousands of up-to-date data points. It selects all applicable data, runs its calculations, and returns an easy-to-read projection of your client’s retirement income and how it’ll be affected by Medicare premiums and IRMAA brackets.

From there you can effortlessly manipulate the scenario with the click of a button. You become the master as you create and view different outcomes by experimenting with variables such as alternative retirement vehicles and withdrawal amounts.