10/28/2026
By the time most retirees see their first Medicare bill, the decisions that shaped it were made two years earlier.
For high-income households, a single year of elevated income (a Roth conversion, a deferred compensation payout, the sale of a business) can shape Medicare premiums for years to come. Most families never see it coming, because the rule works backward. Medicare looks at the tax return you filed two years ago to decide what you pay today.
Our newest Insights piece walks through what that planning window looks like for Texas households.
Read the full article at https://palmerwealthgroup.com/medicare-irmaa-planning-for-texas-high-income-retirees/
This post is for informational purposes only and does not constitute tax, legal, or investment advice.
IRMAA planning Texas: income at 63 sets Medicare premiums at 65. See the two-year lookback, the HSA six-month trap, and when the cliff is worth it.