@lehnerwm This is a good website that explains IRMAA; you may have more 'wiggle room' than you think due to the inflation adjustments that IRMAA will under go prior to 2025- this website simply explans that
so in summary, it appears from others that you are probaby in the 22% (and maybe 24%) tax bracket, so if you convert $22,000, be prepared to pay 22% of that number in federal tax, plus any state tax.
https://thefinancebuff.com/medicare-irmaa-income-brackets.html
