Medicare & Healthcare
Navigating Medicare enrollment, IRMAA surcharges, ACA subsidies, and healthcare cost planning.
IRMAA Explained: How Medicare Surcharges Work and How to Avoid the Cliff
A complete guide to IRMAA — the income-related Medicare surcharge on Part B and Part D. Learn how the two-year MAGI lookback works, where the 2025 income brackets fall, what triggers a surcharge, and the strategies retirees use to stay under the cliff.
IRMAA Surcharges Explained: The Medicare Cliff That Penalizes Roth Conversions
IRMAA is a Medicare premium surcharge with cliff-style brackets and a two-year lookback. One dollar over a threshold can cost a household thousands. Here's how IRMAA works, what triggers it, and how advisors model it against Roth conversions, RMDs, and capital gains.
Health Insurance Before Medicare: Bridging Early Retirement to Age 65
Retire at 60 and you face a five-year coverage gap before Medicare begins — and it's one of the most expensive and least-planned-for problems in early retirement. Here's how COBRA, the ACA marketplace, and a spouse's plan actually compare, why your retirement income suddenly becomes a health-insurance lever, and how managing MAGI in the bridge years can save five figures a year in premiums.