Welcome to the Stay Healthy podcast. I'm your host Taylor Sulte and today I'm talking about Medicare

Irma. Specifically, I'm sharing information on the freshly updated Irma brackets and addressing

a couple of common questions I receive from retirement savers. I'm also sharing three actionable things that you can do to

mitigate or avoid Medicare EMA surcharges. These three things I'm discussing are most beneficial

when done proactively and in some cases well ahead of applying for Medicare at age 65. So whether

you're 10 plus years away from Medicare or currently on it, this episode will

help you learn how to plan ahead and keep more of your hard-earned retirement dollars.

To view the resources mentioned in today's episode, including my recently updated guide

on navigating the Medicare EMA tax brackets, just head over to you staywealthy.com

forward slash 236.

Medicare Irma is a surcharge that high earning Medicare members are hit with each month.

For those that have income above a certain level, Irma increases their

Medicare Part B and Part D standard monthly premiums. Irma stands for income-related monthly adjustment

amount, and it's not just based on your taxable ordinary income. It's based on what's known as your

modified adjusted gross income, or Maggie for

short. What makes this pesky Medicare surcharge so unique is that the amount you pay this year

is based on your income from two years ago. In other words, the 2025 Irma brackets are based

on your Maggie from 2023. If you've spent any amount of time learning about Irma brackets are based on your Maggie from 2023.

If you've spent any amount of time learning about Irma, you know it's a confusing topic.

So to help retirement savers cut through the confusion and understand this important topic,

I've been publishing and updating one of the most in-depth guides on the internet on Medicare Irma for the past

several years, and I recently just updated it with the 2025 brackets.

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