Retirement
How do Roth conversions affect Medicare IRMAA?
Quick Answer
Roth conversions raise MAGI, which Medicare uses 2 years later to set IRMAA Part B and D surcharges. Crossing the 2025 MFJ Tier 1 threshold of $206,000 MAGI adds about $2,800/year per couple. Always model IRMAA before converting.
Warren Team
Updated April 26, 2026
37
Warren Team
Updated April 26, 2026
37
Important Disclaimer:
The information provided is for educational purposes only and should not be considered as personalized financial advice. Warren is a registered investment advisor. Past performance does not guarantee future results. Please consult with a qualified financial advisor before making investment decisions.
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