05/28/2026
Always a fun discussion with folks getting close to retirement and learning that Medicare Part B has its own monthly premium — and that it’s based on your income from TWO years ago.
A lot can change financially in two years, so it’s important to plan ahead and understand how Medicare costs are calculated before making retirement decisions.
Retirement planning isn’t just about when you stop working… it’s about knowing how healthcare costs fit into the picture too.
Will you owe the Medicare IRMAA surcharge in 2027? Grab your 2025 tax return and check the projected brackets and surcharges for next year.