Understanding IRMAA: How Your Income Impacts Medicare Premiums

Mind Your Money with Bradshaw Rogers Financial Partners · Dec 18, 2025 · 14m

Many retirees are surprised to learn that Medicare isn't always as "set it and forget it" as they expected. In this episode, we demystify IRMAA, the income-related surcharge that can quietly reduce your Social Security check if your income crosses certain thresholds. What planning strategies can help reduce or avoid IRMAA altogether? Tune in to find out.

Here's some of what we discuss in this episode:

🧾 IRMAA Defined: why higher income triggers Medicare surcharges

🎯 Who's Impacted: retirees, business owners, and high earners

💵 Premium Impact: how IRMAA reduces Social Security checks

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