What is IRMAA?

IRMAA stands for Income-Related Monthly Adjustment Amount. It is an additional charge added to Medicare Part B and Part D costs for people with higher incomes. For 2026, Medicare generally uses tax information from 2024 to determine whether you owe IRMAA. If your income has dropped because of a qualifying life-changing event, you may be able to ask Social Security to reconsider the surcharge.

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Medicare Supplement (Medigap) Underwriting

You want to enroll in a new Medicare Supplement plan after being on a different Medicare plan for a few years.
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We do not offer every plan available in your area. Currently we represent 41 organizations which offer 745 products in your area. You can always contact Medicare.gov or 1-800-MEDICARE for help with plan choices.
These numbers reflect national plan availability. Licensed sales agents can provide details of the plans available within your immediate service area.
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