Frequently Asked Questions

 IRMMA stands for Income-Related Monthly Adjustment Amount. It’s an extra charge added to Medicare Part B and Part D premiums when income crosses certain thresholds. Smart planning can help reduce or avoid those surprise increases. 

 A Roth conversion increases taxable income in the year you convert, which can trigger higher IRMMA premiums. The right strategy looks at timing and amounts so taxes and Medicare costs don’t cancel out the benefits. 

 Not automatically. Roth conversions can be powerful for long-term tax planning, but they need to be coordinated with Social Security, Medicare, and future income goals to avoid unintended costs. 

 Anyone approaching or already on Medicare who is:
• taking IRA withdrawals
• considering Roth conversions
• selling assets
• experiencing income changes 

 In some situations, yes. Life-changing events like retirement, loss of income, or other qualifying circumstances may allow you to appeal or lower IRMMA premiums. 

 Yes. Curry Associates focuses on education and planning strategies tailored to your income, Medicare timeline, and retirement goals.