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Medicare IRMAA Charges

Not everyone pays the same Medicare premiums. Why? Income-Related Monthly Adjustment Amount (IRMAA). The income you brought in TWO YEARS AGO determines your Medicare premiums today.

What if TWO YEARS AGO I was working and making a lot of money, but now I'm retired and my MAGI is much less? Am I stuck paying the higher premium for the next 2 years?

Nope. Life-changing events, including "work stoppage", give you a ticket to appeal. The secret is knowing that this form exists and sending it in immediately. Form SSA-44.