dmertz:
Thanks for your help. I did find my errors, and TurboTax did not include roll over amount from 401K to IRA in AGI. Root of my problem was deferring my first RMD when I turned seventy and a half (2017) to next year (2018). This required me to take two RMD's in 2018, and pushed AGI in next Medicare bracket. The lesson is deferring the first RMD, now one must take it at seventy two and a half, may not be a good idea for everyone. So this was bitter / sweet in the end. Again thanks for taking the time and guiding me. Have a healthy and happy New Year.
Best Regards,
Nirudo
