Medicare Planning Essentials for 2025
Your Guide to Enrollment, IRMAA, and Smarter Planning Strategies
Medicare Open Enrollment runs October 15–December 7—and for high-income retirees, it brings more than just plan changes. From navigating IRMAA surcharges to making smart income and tax decisions, the choices you make now can have long-term financial impact.
This concise, actionable guide helps you prepare with clarity and confidence.
What You'll Learn:
- Key Enrollment Decisions: Understand your options to switch plans, review drug coverage, and update your Medigap policy.
- Why Income Matters for Medicare Premiums: Learn how IRMAA (income-related monthly adjustment amount) works and how your 2023 tax return affects your 2025 premiums.
- Strategies to Help Reduce Future IRMAA Exposure: Explore techniques like Roth conversions, QCDs, and capital gains timing to better manage future costs.
- Common Medicare Mistakes to Avoid: Avoid late enrollment penalties, unplanned income spikes, and missed opportunities to appeal IRMAA.
- Open Enrollment Checklist: A simple planning tool to help you stay organized and make informed choices during enrollment season.
Who Should Download:
- Retirees with high income or large retirement account balances
- Households likely to be impacted by IRMAA
- Anyone reviewing Medicare coverage before the December 7 deadline
- Individuals considering Roth conversions or tax planning in 2025
Fill out the form below to download your free guide today!