Thanks, You are where I was at when I posted the question. I am looking at 5 years of amended returns for about $1000 each year. None would change my Medicare IRMAA. Last years would be in a lower tax bracket but would not change any relief checks and the tax bracket change would be minimal. I like your thought that "as a practical matter just file it this year." If I don't get any other advice, I will likely do that.
