Other financial discussions

Do you know  that SS looks back 2 years to determine your IRMAA?  So for 2026 they use your 2024  MAGI.  Your 2025 MAG will be used for 2027 SS payments.   On my letter from Social Security for IRMAA it uses your AGI plus tax exempt interest on 1040 line 2a.  See this,  it has the brackets at the bottom
https://secure.ssa.gov/poms.nsf/lnx/0601101010

It seems I got a free year from IRMAA.  My husband died in 2023 and I filed Joint for 2023 then Single for 2024.  They didn't take any IRMAA out of my 2025 SS checks  (based on 2023)  but for 2026 they are taking out over $500/month for IRMAA in addtion to the standard $202.90.  

In November did you get a SS letter saying how much they  will take out in 2026?  Here is my letter.  2026 is based on your 2024 tax return.  It says these IRMAA are effective for 2026 only.   If you file MFS separately  the IRMAA may be a lot higher for each person when they figure it for 2027.