Free 1-page cheat sheet

Don't fall off the IRMAA cliff.

IRMAA is a surcharge on your Medicare Part B and Part D — and it's a cliff: one dollar over an income line can cost you a thousand dollars or more. Here are the 2026 brackets and the one form that can win it back, on a single page with the real numbers and no hype.

  • The 2026 income brackets (single & joint) — and the one-dollar cliff
  • The two-year lookback that ambushes the newly retired
  • Form SSA-44's 8 life-changing events that win the surcharge back
Free. Unsubscribe anytime. Educational only — not financial, tax, or insurance advice.
1-page PDFIRMAA cliff cheat sheet preview
Jeffrey Miller

I'm Jeffrey Miller. I break down retirement money in plain English, based on official SSA, CMS, and Medicare guidance. This cheat sheet is the same framework I use in my videos — no panic, no pitch.

This free 1-page cheat sheet puts IRMAA on a single page — the 2026 income brackets for single and joint filers, the one-dollar cliff (cross a line and you owe the whole tier), the two-year lookback that sets your surcharge from income two years ago, the ways to keep your income under the line on purpose, and Form SSA-44 with its 8 life-changing events that can win the surcharge back. Built from the real 2026 CMS and SSA numbers.

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Educational only — not personal financial, tax, or insurance advice. Everyone's situation is different; confirm your own income and amounts at ssa.gov, at medicare.gov, by calling 1-800-MEDICARE, or with a licensed professional. Jeffrey Miller is an educator and is not affiliated with or endorsed by Medicare, the SSA, or any government agency.