I am 75 and I got a windfall this year as I got a year of backpay for my SS spousal support that will raise my Medicare Premium Part B in 2027 because of IRMAA.
Look like my 2025 Magi will just past the standard IRMAA threshold, I figured out it would be better to convert some $40-50K of my IRA money to my ROTH and stay within the 1st level of IRMAA .
The trouble is it is difficult to figure out now how much my 2025 MAGI will be until the middle of Feb 2026 when all tax papers are due.
Assuming I convert too much, say $50K already. And that bump me to 2nd IRMAA level, can I return $10K so as to keep me in the 1st IRMAA level?
