IRMAA Surprise: How Your 401(k) Distribution Today Triggers Medicare Surcharges Two Years Later
· finance.yahoo.com
A single 401(k) distribution can quietly set a Medicare bill two years into the future, and most retirees never see the connection until the surcharge lands. Here is what crossing one income threshold actually costs, and why the timing of your withdrawal matters more than the amount.
Quick Read
Medicare's two-year lookback means a 2026 distribution sets 2028 premiums, costing married couples up to $1,783 yearly once MAGI exceeds $137,000.
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