{"id":12,"date":"2026-09-07T11:00:00","date_gmt":"2026-09-07T11:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/insurancebylupitacano-com\/2026\/09\/07\/8-of-medicare-beneficiaries-pay-surcharges\/"},"modified":"2026-09-07T11:00:00","modified_gmt":"2026-09-07T11:00:00","slug":"8-of-medicare-beneficiaries-pay-surcharges","status":"publish","type":"post","link":"https:\/\/www.insurancebylupitacano.com\/blog\/2026\/09\/07\/8-of-medicare-beneficiaries-pay-surcharges\/","title":{"rendered":"8% of Medicare Beneficiaries Pay Surcharges"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\"\n                src=\"https:\/\/www.roomvu.com\/agent\/embed\/lupita-cano\/medicare-irmaa-penalty-remotion-videos-6a19\"\n                frameborder=\"0\"\n                allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\"\n                allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Many are surprised to learn that about 8% of Medicare beneficiaries are now paying premium surcharges\u2014something that goes beyond just the wealthiest retirees. For single individuals, earning $109,000 keeps you at the standard premium, but even $1 over that triggers the full annual surcharge of $1,100. Couples face the same risk at $218,000\u2014go just $1 over, and both spouses are affected. Income sources like RMDs, pensions, retirement benefits, and even tax-exempt interest can tip the scale, especially with a decade-long freeze on income thresholds and inflation expanding who is affected. While there have been proposals to change the surcharge tiers and protect gains from selling your primary home, these changes are tough to pass since the surcharges provide significant funding to Medicare. Some strategies that have helped include careful Roth conversions before age 73, direct charitable transfers up to $111,000, and appealing after significant life changes. As someone licensed in Medicare Advantage and other health coverages, I\u2019ve seen how important it is to plan ahead to avoid unexpected costs in retirement.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Many are surprised to learn that about 8% of Medicare beneficiaries are now paying premium surcharges\u2014something that goes beyond just the wealthiest retirees. For single individuals, earning $109,000 keeps you at the standard premium, but even $1 over that triggers the full annual surcharge of $1,100. Couples face the same risk at $218,000\u2014go just $1 [&hellip;]<\/p>\n","protected":false},"author":172,"featured_media":41,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-12","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.insurancebylupitacano.com\/blog\/wp-json\/wp\/v2\/posts\/12","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.insurancebylupitacano.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.insurancebylupitacano.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.insurancebylupitacano.com\/blog\/wp-json\/wp\/v2\/users\/172"}],"replies":[{"embeddable":true,"href":"https:\/\/www.insurancebylupitacano.com\/blog\/wp-json\/wp\/v2\/comments?post=12"}],"version-history":[{"count":0,"href":"https:\/\/www.insurancebylupitacano.com\/blog\/wp-json\/wp\/v2\/posts\/12\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.insurancebylupitacano.com\/blog\/wp-json\/wp\/v2\/media\/41"}],"wp:attachment":[{"href":"https:\/\/www.insurancebylupitacano.com\/blog\/wp-json\/wp\/v2\/media?parent=12"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.insurancebylupitacano.com\/blog\/wp-json\/wp\/v2\/categories?post=12"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.insurancebylupitacano.com\/blog\/wp-json\/wp\/v2\/tags?post=12"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}