I see a lot of posts about minimizing income for a few years before starting Medicare to reduce IRMAA impact. Isn’t IRMAA recalculated annually? If so, does it make more sense to smooth income out rather than artificially lowering it just to have it increase substantially in later years?
I’m sure I’m missing something as we are still several years away from Medicare, but would like to plan appropriately for the future.
I’m sure I’m missing something as we are still several years away from Medicare, but would like to plan appropriately for the future.