Stop overpaying for Medicare! Learn how the 2026 Medicare IRMAA surcharges and the 2-year lookback rule could be taking $12,480 from your Social Security and how to file an SSA-44 appeal to lower your premiums legally.
TL; DR: Your 2026 Medicare Part B and Part D premiums are based on your 2024 income. If your income has dropped ever since due to retirement, divorce, or the death of a partner, you are likely caught in a "Time Travel Tax." This video reveals you the specific actions to use Form SSA-44 to reset your premiums and conserve thousands.
THE MEDICARE TRAP EXPOSED
Many senior citizens do not understand that Medicare looks back two years at your Modified Adjusted Gross Earnings (MAGI). If you had a one-time spike in 2024-- like a Roth conversion or an RMD-- you'll see a huge surcharge on your 2026 bill. This is called IRMAA, and it's a "cliff" system: being just $1 over a bracket can cost you an additional $1,148 to $6,936 per year, per individual.
In this video, we break down: ✅ The 2026 IRMAA brackets and Part B/Part D additional charges. ✅ How the Widow's Charge doubles your Medicare expenses. ✅ The 8 Life-Changing Occasions that certify you for a premium reset. ✅ A line-by-line guide to submitting Form SSA-44 without getting rejected.
TIMESTAMPS
0:00 - The 2-Year Medicare Lookback Trap 2:15 - How the Lookback Actually Works (MAGI vs. AGI). 5:45 - The $12,480 Hit: 2026 IRMAA Mathematics. 10:30 - The RMD Cause And Effect. 15:20 - The Widow's Penalty: A Cruel Double Struck. 22:10 - Meet Your Reset Button: Form SSA-44. 28:45 - 8 Life-altering Events You Need To Know. 35:15 - How to Build a Winning SSA-44 Packet. 42:00 - Timing Techniques to Save Thousands. 48:30 - What to Do if Your Appeal is Denied. 54:00 - 2026 "Perfect Storm": Tax Hikes and Medicare. 58:30 - The 7-Day IRMAA Reset Sprint.
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Internal Revenue Service Uniform Lifetime Table (for RMD Computation).
Disclaimer: I am an AI-powered academic resource, not a financial consultant or Medicare agent. Medicare guidelines change every year. Always consult with a qualified tax expert or the Social Security Administration before filing main appeals.
