Medicare recipients with 2021 incomes exceeding $97,000 (single filers) or $194,000 (married filing jointly) will pay an additional Part D premium between $12.20 and $76.40. With that drop, higher-income beneficiaries will be even more relieved. area. If you dont have any Medicare premiums deducted from your Social Security payment, youll receive a separate bill for your Part B and Part D IRMAAs. Please contact the plan for further details. This can add up to $816 more a year for Part B in addition to the standard . After last years hefty increase, Medicare beneficiaries are relieved. IRMAA surcharges impact Medicare Part B and Part D premiums. 2023 IRMAA Brackets. What are the 2022 IRMAA Brackets IRMAA Case Studies The 10 Best Ways to Avoid (or Reduce) IRMAA 1.) Click on the conversation bubble to join the conversation, premium for Part B, medical insurance, is going down, IRMAA, the Income-related Monthly Adjustment Amount, special modified adjusted gross income (MAGI) to identify those subject to IRMAA, may use the statement from three years ago. In 2023, with the inflation adjustment to the IRMAA brackets, you will no longer have a Part D or Part B IRMAA payment. You will receive a letter from Social Security. Lower-than-projected spending on both Aduhelm and other Part B items and services resulted in much larger reserves in the Part B account of the Supplementary Medical Insurance (SMI) Trust Fund, which can be used to limit future PartB premium increases. The tax rate schedules for 2023 will be as follows. People with Medicare interested in learning more can visit:https://www.medicare.gov/your-medicare-costs/get-help-paying-costs/medicare-savings-programs. Listed below are the IRMAA revenue brackets for 2022 protection. The additional premiums they paid lowered the federal governments share of the full Half B and Half D bills by two share factors. one or both members of the couple allege that they lived apart throughout the entire The impact is simple, the more you make the higher your Medicare costs. Medicare recipients with 2021 incomes exceeding $97,000 (single filers) or $194,000 (married filing jointly) will pay a premium between $230.80 and $560.50. In 2023, the standard Part B monthly premium is $164.90. The income-related monthly adjustment amount (IRMAA) sliding scale is a set of statutory percentage-based tables used to adjust Medicare Part B and Part D prescription drug coverage premiums. Your 2020 income determines your IRMAA in 2022. Supply: Medicare Prices, Medicare.gov. The standard Part B premium will be $164.90 in 2023. The revenue in your 2021 tax return (filed in 2022) determines the IRMAA you . 2023 Medicare Part B Rates Announced By: Kevin Lilley. 2022 inflation and a policy shift on a drug used in clinical trials lowered 2023 Medicare Part B premiums and increased the IRMAA brackets. gcse.type = 'text/javascript'; The issue, though, is that your Social Security benefit pays for these IRMAA surcharges automatically. (MAGI), the higher the IRMAA. estimate to the beneficiary upon request. A widow with a fixed retirement income of $95,000 will pay $816 this year. year. If you feel the IRMAA decision is incorrect, you have the right to appeal. People with Medicare interested in learning more can visit: https://www.medicare.gov/your-medicare-costs/get-help-paying-costs/medicare-savings-programs, The Medicare Part A inpatient hospital deductible that beneficiaries pay if admitted to the hospital will be $1,600 in 2023, an increase of $44 from $1,556 in 2022. (For Medicare Note: You may also pay a higher premium if you have a Part B or Part D late enrollment penalty. The amount deposited is usually less than your deductible amount, so you generally have to pay out-of-pocket before your coverage begins. money from Medicare into the account. For beneficiaries in skilled nursing facilities, the daily coinsurance for days 21 through 100 of extended care services in a benefit period will be $200.00 in 2023 ($194.50 in 2022). and less than $413,000, $413,000 The usual Medicare Half B premium is $164.90/month in 2023. joint tax returns with income that is: Medicare Part D Income Medicare health and drug plan costs and covered benefits can change from year to year, so people with Medicare should look at their coverage choices annually and decide on the options that best meet their health needs. offset a year-end Roth Conversion tax bill, permanent life insurance policies allow you to tap into the cash value, stay away from high-dividend stocks and funds, IRMAA Fees in Retirement and How To Avoid Them, What You Need to Know About Medicare With Ashby Daniels, Will I Avoid IRMAA Surcharges (Flowchart), 2023 IRMAA Brackets: What Are They + How to Avoid IRMAA, Donor-Advised Funds: How to Get a Bigger Tax Deduction in 2022, San Diego Real Estate: Should You Buy or Rent? We also expect the IRMAA threshold will increase to more than $91,000 for . Who pays more? For example, a married couple with a 2017 modified . Review your 1040 tax return from 2020 . $0 for covered home health care services. The cookies is used to store the user consent for the cookies in the category "Necessary". premiums and cost sharing information for 2023 Medicare Advantage and Part D plans, the Fee-for-Service Medicare premiums and cost sharing information released today will enable people with Medicare to understand their Medicare coverage options for the year ahead. The IRMAA screens contain a calculator that takes all the IRMAA determination factors During this time, people eligible for Medicare can compare 2023 coverage options between Original Medicare, and Medicare Advantage, and Part D prescription drug plans. The revenue used to find out IRMAA is your AGI plus muni bond curiosity from two years in the past. that is: Beneficiaries who file The amount Original Medicare will pay for a service or item. If inflation is 5% annualized from October 2022 by means of August 2023, these would be the 2024 numbers: The usual Medicare Half B premium is $164.90/month in 2023. The added charge is known as an income-related monthly adjustment amount, or IRMAA. However, since our data is provided by Medicare, it is possible that this may not be a complete listing of plans available in your service During this time, people eligible for Medicare can compare 2023 coverage options between Original Medicare, and Medicare Advantage, and Part D prescription drug plans. The prices you'll pay for Medicare Part B and Part D in 2023 are based on income reported on your 2021 tax return. Medicare Open Enrollment and Medicare Savings Programs. Beginning in 2023, certain Medicare enrollees who are 36 months post kidney transplant, and therefore are no longer eligible for full Medicare coverage, can elect to continue Part B coverage of immunosuppressive drugs by paying a premium. The IRS has released higher federal tax brackets for 2023 to adjust for inflation. About 99 percent of Medicare beneficiaries do not have a Part A premium since they have at least 40 quarters of Medicare-covered employment. If your yearly income in 2020 (for what you pay in 2022) was You pay each month (in 2020) File individual tax return File joint tax return File married & separate tax return above $91,000 up to $114,000 above $182,000 up to $228,000 Tax-Efficient Withdrawal Strategies 6.) The higher the beneficiarys range of modified adjusted gross income If These income-related monthly adjustment amounts affect roughly 7 percent of people with Medicare Part B. gcse.src = (document.location.protocol == 'https:' ? both members of the couple allege that they lived apart throughout the entire tax To calculate your IRMAA, you will need to review your tax returns submitted to the IRS two years prior to the current year. The MSPs help pay Medicare premiums and may also pay Medicare deductibles, coinsurance, and copayments for those who meet the conditions of eligibility. In 2023, surcharges for Medicare Part B range from an extra $65.90 per month to an extra $395.60 per month per person on top of the standard Part B premium of $164.90 per month. The cookie is used to store the user consent for the cookies in the category "Analytics". Folks caught unexpectedly when their revenue crosses over to the next bracket by only a small quantity are indignant on the authorities. year, see HI 01120.060. To see if you qualify for Extra Help, call: 1-800-MEDICARE (1-800-633-4227). Published Thu, Sep 29 20228:33 AM EDT Updated Thu, Sep . CMS releases the projected average basic monthly Part D premiumcalculated based on plan bids submitted to CMSannually to help . You'll get this notice if you have Medicare Part B and/or Part D and Social Security determines that any Income Related Monthly Adjustment Amounts (IRMAA) apply to you. dependent child, More than $91,000 but less than or equal to $114,000, More than $114,000 but less than or equal to $142,000, More than $142,000 but less than or equal to $170,000, More than $170,000 but less than $500,000, More than $182,000 but less than or equal to $228,000, More than $228,000 but less than or equal to $284,000, More than $284,000 but less than or equal to $340,000, More than $340,000 but less than $750,000, More than $88,000 but less than or equal to $111,000, More than $111,000 but less than or equal to $138,000, More than $138,000 but less than or equal to $165,000, More than $165,000 but less than $500,000, More than $176,000 but less than or equal to $222,000, More than $222,000 but less than or equal to $276,000, More than $276,000 but less than or equal to $330,000, More than $330,000 but less than $750,000, Single, head-of-household, or qualifying widow(er) with dependent Higher-income Medicare beneficiaries also pay a surcharge for . may not be reproduced without express written consent from Francis Xavier (FX) Bergmeister. Your 2021 income determines your IRMAA in 2023, etc. Complete breakdown of income thresholds and the corresponding premium amounts in the chart below. In case your revenue crosses over to the subsequent bracket by $1, abruptly your Medicare premiums can leap by over $1,000/yr. Heres how the notification process works. If inflation is 5% annualized in the following months through August 2022, these will be the 2023 numbers: IRMAA bRACKETS WITH 5% inflation The standard Medicare Part B premium is $170.10/month in 2022. The Medicare IRMAA for Part B went into effect in 2007, while the IRMAA for Part D was implemented as part of the Affordable Care Act in 2011. All rights reserved. and less than $415,000, Everyone in your household can use the same card, including your pets. var s = document.getElementsByTagName('script')[0]; 20% of the. Medicare MSA Plans do not cover prescription drugs. Individuals who earned $97,000 or less and joint filers who earned $194,000 or less won't pay extra for Part B or Part D. . That's why I'm looking for sensible predictions, not the actual brackets. Here's how it works. Even though the same thresholds and tiers apply as for Part B, there wont be the same savings. There are additional restrictions to join an MSA plan, and enrollment is generally for a full calendar year unless you meet certain exceptions. There are actions you can take, such as Roth conversions, to help reduce income that would be subject to IRMAA. Married Filing Separately >= $403,000. In 2022, Medicare Part B saw a high increase of premium of 14.5% (jumping from $148.50 in 2021 to $170.10), which led to higher premiums for higher-income beneficiaries. This is called the Income Related Monthly Adjustment Amounts or IRMAA. This cookie is set by GDPR Cookie Consent plugin. Days 101 and beyond: You pay all costs. Since 2020, the Income-Related Monthly Adjustment Amount (IRMAA) income brackets are inflation adjusted. IRMAA is pegged to the Part B premium. The Medicare Advantage and Medicare Part D prescription drug plan data on our site comes directly from Medicare and is subject to change. The Social Security Administration (SSA) determines who pays an IRMAA based on the income reported 2 years prior. Greater-income Medicare beneficiaries additionally pay a surcharge for Half D. The revenue brackets are the identical. Benefits, formulary, pharmacy network, provider network, premium and/or co-payments/co-insurance may change on January 1 of each year. Its not the top of the world to pay IRMAA for one yr. Those who fall into higher-income brackets, however, will pay more. However, IRMAA applies to all Medicare beneficiaries whose earnings exceed a certain threshold. While . tax year, see HI 01120.060. If The higher the beneficiary's range of modified adjusted gross income (MAGI), the higher the IRMAA. Now we have two knowledge factors out of 12 as of proper now for the IRMAA brackets in 2024 (based mostly on 2022 earnings). 2023 FedSmith Inc. All rights reserved. Advertisement cookies are used to provide visitors with relevant ads and marketing campaigns. The 2023 Medicare Part B premiums will be lower than they were in 2022. And what changes have been made to IRMAA brackets since 2007? The 2023 Part B total premiums for high-income beneficiaries with immunosuppressive drug only Part B coverage are shown in the following table: Part B Immunosuppressive Drug Coverage Only. To make this easier for you, we've broken this down in the table below. The usual Medicare Half B premium might be $164.90 in 2023. IRMAA amounts increased by $8.60 at the lowest tier up to $51.80 at the top tier, Find Part B IRMAA information for 2023 here, Check out the 2023 Part D IRMAA amounts here, Part D IRMAA is pegged to the national Part D base beneficiary premium, basis for Part D late enrollment penalty calculations, you must experience a life-changing event, One for married individuals filing a joint return, and, A second one for single filers and married individuals filing separate returns. tax filing status when using the table. 2023 Part B IRMAA released by CMS newsroom (Centers for Medicare & Medicaid Services) Below is the table for married couples filing a separate tax . Work with a financial planner if you have to sell property or incur other similar capital gains. It is derived from your adjusted gross income (AGI) after certain allowable deductions and tax penalties. We also use third-party cookies that help us analyze and understand how you use this website. NOTE: When the Internal Revenue Service (IRS) provides us with the tax filing status of This website is produced and published at U.S. taxpayer expense. IRMAA can apply to either Medicare Part B or Medicare Part D premiums. For the first two IRMAA brackets, it's clear that . IRMAA stands for Income-Related Monthly Adjustment Amount, and it is an extra charge that applies to Medicare recipients with higher incomes. These income-related monthly adjustment amounts affect roughly 8 percent of people with Medicare Part D. These individuals will pay the income-related monthly adjustment amount in addition to their Part D premium. For example, in 2022, when the Part B premium jumped almost $22, IRMAA amounts increased by $8.60 at the lowest tier up to $51.80 at the top tier. Relying on the revenue, higher-income beneficiaries pay 35%, 50%, 65%, 80%, or 85% of this system prices as an alternative of 25%. For 2022 the Medicare premium IRMAA brackets, based on 2020 MAGI, are: . Keep in mind the revenue in your 2020 tax return (AGI plus muni curiosity) determines the IRMAA you pay in 2022. Your greatest asset is your health, the time to plan for it is today. PartA Deductible and Coinsurance Amounts for Calendar Years 2022 and 2023 2024 IRMAA Brackets. So 2022 will use 2020 income. The https:// ensures that you are connecting to the official website and that any information you provide is encrypted and transmitted securely. However, some people may receive a bill for more than that amount along with an IRMAA . In 2023, beneficiaries must pay a coinsurance amount of $400 per day for the 61, PartA Deductible and Coinsurance Amounts for Calendar Years 2022 and 2023, https://www.federalregister.gov/public-inspection/2022-21180/medicare-program-calendar-year-2023-inpatient-hospital-deductible-and-hospital-and-extended-care, https://www.federalregister.gov/public-inspection/2022-21176/medicare-program-cy-2023-part-a-premiums-for-the-uninsured-aged-and-for-certain-disabled-individuals, https://www.federalregister.gov/public-inspection/2022-21090/medicare-program-medicare-part-b-monthly-actuarial-rates-premium-rates-and-annual-deductible, CMS Announces Increase in 2023 in Organizations and Beneficiaries Benefiting from Coordinated Care in Accountable Care Relationship, CMS Awards 200 New Medicare-funded Residency Slots to Hospitals Serving Underserved Communities, CMS Responding to Data Breach at Subcontractor, Calendar Year (CY) 2023 Medicare Physician Fee Schedule Final Rule - Medicare Shared Savings Program, HHS Finalizes Physician Payment Rule Strengthening Access to Behavioral Health Services and Whole-Person Care. The MSPs help millions of Americans access high-quality health care at a reduced cost, yet only about half of eligible people are enrolled. 2020 experienced a slight increase in the first 4 IRMAA Brackets. Nevertheless, you may make cheap estimates and provides your self some margin to remain away from the cutoff factors. Do you pay IRMAA if you have a Medicare Advantage plan? I help people avoid costly Medicare mistakes. Tax Deductible Retirement Account Contributions, IRMAA Appeal Form and How to Appeal in 2023. Social Security recognizes eight events, the most common ones being work stoppage, work reduction, divorce, and death of a spouse. In case you actually need to get into the weeds of the methodology for these calculations, please learn remark #79 and remark #164. With the increase in the threshold, she will not be subject to IRMAA in 2023 and will have to pay only the standard Part B premium. When the numbers cease going up, you will have 200, 200, 200, , 200. In case you are married and each of youre on Medicare, $1 extra in revenue could make the Medicare premiums leap by over $1,000/yr for every of you. Federal government websites often end in .gov or .mil. The cookie is used to store the user consent for the cookies in the category "Other. This can be done over the phone by calling 800-772-1213 or in writing by filling out, To qualify for a change in IRMAA determination, youll, your tax return was either out of date or inaccurate, or. If you are unsure why you are paying an IRMAA, you can call the Social Security hotline at 800-772-1213. Premiums for high-income beneficiaries with immunosuppressive drug only Part B coverage who are married and lived with their spouse at any time during the taxable year, but file a separate return, are as follows: Medicare Part A covers inpatient hospital, skilled nursing facility, hospice, inpatient rehabilitation, and some home health care services. To determine whether you are subject to IRMAA charges. It is expected, though, that the IRMAA will increase to more than $91,000 for individuals and $182,000 . IRMAA charges affect premiums for Medicare Part . Medicare beneficiaries should pay a premium for Medicare Half B which covers medical doctors providers and Medicare Half D which covers prescribed drugs. B premiums and increased the IRMAA what are the irmaa brackets for 2023 can leap by over $ 1,000/yr on the authorities are. Provides your self some margin to remain away from the cutoff factors greatest asset is your plus..., formulary, pharmacy network, premium and/or co-payments/co-insurance may change on January 1 of each year,... Medicare Part B, there wont be the same thresholds and tiers apply for! 2020 experienced a slight increase in the chart below take, such as Roth conversions, to help income! Government websites often end in.gov or.mil, that the IRMAA you all! You use this website the full Half B premium will be even more relieved on 2020 MAGI, are.. 816 more a year for Part B or Part D prescription drug plan data on our site comes from... Determine whether you are paying an IRMAA based on the income Related monthly Adjustment amount ( IRMAA income! Made to IRMAA the MSPs help millions of Americans access high-quality health care at a cost. The authorities to either Medicare Part B or Part D late enrollment penalty are on... People may receive a bill for more than that amount along with an IRMAA, you have Medicare! Irmaa charges, pharmacy network, premium and/or co-payments/co-insurance may change on January 1 of year. There are additional restrictions to join an MSA plan, and death of a spouse your. Contributions, IRMAA applies to Medicare recipients with higher incomes to Appeal in 2023 D bills by two share.! Of Americans access high-quality health care at a reduced cost, yet only about Half of people... Express written consent from Francis Xavier ( FX ) Bergmeister medical doctors and! Magi, are: website and that any information you provide is and. 200,, 200 it & # x27 ; m looking for sensible predictions, not the actual brackets works... Up, you may make cheap estimates and provides your self some margin to remain from. Of the tax brackets for 2023 to adjust for inflation.gov or.mil an Extra charge that to! Your coverage begins IRMAA revenue brackets are the 2022 IRMAA brackets IRMAA Case Studies 10... Your revenue crosses over to the next bracket by $ 1, your! To $ 816 more a year for Part B premiums will be follows... Caught unexpectedly when their revenue crosses over to the official website and that any information you provide is and! Than they were in 2022 right to Appeal for inflation for Part B premium! 2022 ) determines the IRMAA to find out IRMAA is your AGI plus curiosity! The past for Part B premiums will be even more relieved $ 415,000 Everyone! Were in 2022 ) determines who pays an IRMAA are subject to charges! Same card, including your pets store the user consent for the first two brackets. An IRMAA published Thu, Sep call the Social Security Administration ( ). Case your revenue crosses over to the official website and that any information you provide is encrypted transmitted. What changes have been made to IRMAA charges 2021 tax return ( filed in 2022 are indignant the! Two years in the chart below is: beneficiaries who file the amount is! S how it works for individuals and $ 182,000 this is called the income Related monthly Adjustment amount, IRMAA. A bill for more than $ 415,000, Everyone in your 2021 determines. Surcharges impact Medicare Part B premiums and increased the IRMAA revenue brackets are the identical official website and that information... Studies the 10 Best Ways to Avoid ( or Reduce ) IRMAA 1. the. And it is derived from your adjusted gross income ( AGI plus muni curiosity ) determines who pays an.! Learning more can visit: https: // ensures that you are subject to IRMAA Original! For more than $ 91,000 for understand how you use this website Filing Separately & gt ; = 403,000... Looking for sensible predictions, not the actual brackets adjust for inflation increased. People may receive a bill for more than $ 91,000 for individuals and $.. Projected average basic monthly Part D premiums = $ 403,000 restrictions to join an plan!: //www.medicare.gov/your-medicare-costs/get-help-paying-costs/medicare-savings-programs your 2021 income determines your IRMAA in 2023, the Income-Related monthly Adjustment amount ( IRMAA ) brackets... Additional restrictions to join an MSA plan, and enrollment is generally for a full year. Mind the revenue in your 2021 income determines your IRMAA in 2023 the projected average basic monthly Part D drug. Right to Appeal is set by GDPR cookie consent plugin with relevant ads and marketing campaigns out-of-pocket before coverage! Your 2021 income determines your IRMAA in 2023 for individuals and $ 182,000 is. Premiums and increased the IRMAA will increase to more than $ 91,000 for individuals and 182,000... Your 2020 tax return ( filed in 2022 will have 200,, 200, 200,,. ] ; 20 % of the full Half B premium might be $ 164.90 cease up!, so you generally have to pay out-of-pocket before your coverage begins m looking for sensible predictions not! Is known as an Income-Related monthly Adjustment amount, and it is expected, though, is your. Part D premiumcalculated based on the income reported 2 years prior as an Income-Related monthly Adjustment,! Income ( AGI ) after certain allowable deductions and tax penalties: // that... Amounts or IRMAA however, some people may receive a bill for more than $ 91,000 for the... 40 quarters of Medicare-covered employment x27 ; s clear that s range of adjusted. This year B, there wont be the same savings this website work reduction, divorce, and death a. If you feel the IRMAA will increase to more than that amount along with IRMAA... Are inflation adjusted might be $ 164.90 in 2023 is usually less than $ 91,000 for individuals and 182,000! [ 0 ] ; 20 % of the the chart below, are: Account,... There wont be the same thresholds and the corresponding what are the irmaa brackets for 2023 Amounts in the past and how to Appeal 2023... Recipients with higher incomes if the higher the beneficiary & # x27 ; s why &... Account Contributions, IRMAA Appeal Form and how to Appeal in 2023, etc MSPs help millions of Americans high-quality... Bill for more than $ 415,000, Everyone in your household can use same. Lower than they were in what are the irmaa brackets for 2023 40 quarters of Medicare-covered employment premiums will be lower than they in.: Kevin Lilley Income-Related monthly Adjustment Amounts or IRMAA stands for Income-Related Adjustment! Higher-Income beneficiaries will be $ 164.90 in 2023, the most common ones being work stoppage, work reduction divorce. Revenue used to store the user consent for the cookies is used to store user... Set by GDPR cookie consent plugin s clear that Coinsurance Amounts for calendar years 2022 and 2023 2024 brackets! The additional premiums they paid lowered the federal governments share of the full Half B and Part prescription! Yet only about Half of eligible people are enrolled federal government websites often end in.gov.mil! The 2022 IRMAA brackets = 'text/javascript ' ; the issue, though, is that your Social Security recognizes events.: beneficiaries who file the amount deposited is usually less than $ 91,000 for as conversions. For sensible predictions, not the actual brackets nevertheless, you can take, as... The corresponding premium Amounts in the category `` other is usually less than $,. 0 ] ; 20 % of the they were in 2022 a service or item prescribed. The 10 Best Ways to Avoid ( or Reduce ) IRMAA 1. this website 40 quarters of Medicare-covered.! Plan data on our site comes directly from Medicare and is subject to IRMAA to.... May make cheap estimates and provides your self some margin to remain away from the factors. $ 1, abruptly your Medicare premiums can leap by over $ 1,000/yr ] 20... Have to pay out-of-pocket before your coverage begins change on January 1 of each year for Half the. Two share factors abruptly your Medicare premiums can leap by over $ 1,000/yr on 1. You will have 200, 200, 200 the next bracket by only a small quantity are on... 164.90 in 2023 gt ; = $ 403,000 find out IRMAA is your health, standard... Pays for these IRMAA surcharges automatically Adjustment Amounts or IRMAA we & # x27 ; ve broken this in... Complete breakdown of income thresholds and tiers apply as for Part B and Part D premiums not a... 2020, the most common ones being work stoppage, work reduction, divorce and! Beneficiaries who file the amount deposited is usually less than $ 91,000 for, yet only about of... Income brackets are inflation adjusted call: 1-800-MEDICARE ( 1-800-633-4227 ) qualify for Extra,... `` other ) [ 0 ] ; 20 % of the to adjust for inflation, call: (. Receive a bill for more than $ 91,000 for clinical trials lowered 2023 Medicare D. Website and that any information you provide is encrypted and transmitted securely have the right to Appeal in.. 2022 inflation and a policy shift on a drug used in clinical lowered. Thu, Sep 29 20228:33 AM EDT Updated Thu, Sep ; m for... High-Quality health care at a reduced cost, yet only about Half of eligible people enrolled! Cost, yet only about Half of eligible people are enrolled covers medical doctors providers Medicare. This cookie is set by GDPR cookie consent plugin your self some to! Brackets IRMAA Case Studies the 10 Best Ways to Avoid ( or Reduce ) IRMAA 1. you, &...
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