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Understanding IRMAA: Safeguarding Your Retirement Income Flow


At Vulpes Financial Consulting, we prioritize optimizing your retirement income flow. A critical component is understanding the Income-Related Monthly Adjustment Amount (IRMAA), a surcharge that can significantly impact your Medicare premiums.


What Is IRMAA?

IRMAA is an additional charge applied to Medicare Part B and Part D premiums for individuals with higher Modified Adjusted Gross Income (MAGI). In 2025, individuals earning over $106,000 and couples earning over $212,000 may be subject to these surcharges.


2025 IRMAA Thresholds brackets are as follows:

MAGI (Modified Adjusted Gross Income)

MAGI --Single

MAGI --Married Filing Joint

Monthly Part B Premium

Monthly Part D Premium

Up to $106,000

$212,000

$185.00

$0

$106,001 – $133,000

$212,001 – $266,000

$259.00

$13.70

$133,001 – $166,000

$266,001 – $334,000

$370.00

$35.30



Included in Calculation of MAGI

MAGI includes various income sources:

  • Taxable Social Security benefits

  • Rental income

  • Pension income

  • Wages

  • Capital gains

  • Dividends

  • Distributions from Traditional IRAs, 401(k)s, 403(b)s, SEP accounts, and qualified annuities


Notably, distributions from Roth accounts, Health Savings Accounts (HSAs), and 401(h) plans are excluded from MAGI calculations.


Impact on Retirement Income Flow

IRMAA surcharges can erode your Social Security benefits, increasing out-of-pocket healthcare costs. With Medicare and IRMAA costs projected to rise by over 8% annually, while Social Security's cost-of-living adjustments lag behind, the strain on your retirement income flow can be substantial.


Take Control of Your Retirement Income Flow

Protecting your retirement income flow means making smart, forward-looking financial decisions.

With the right planning, reducing unnecessary costs and keeping more of your hard-earned benefits is possible.


Partner with Vulpes Financial Consulting

Navigating IRMAA and its implications requires careful planning. At Vulpes Financial Consulting, we specialize in crafting personalized strategies to optimize your Retirement Income Flow. Our expertise ensures you enjoy a secure and comfortable retirement without unforeseen financial burdens.




Secure your IRMAA report today—contact Vulpes Financial Consulting today.


Text: "zoom" to 573-303-4189




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