"Mastering the 2026 IRMAA Brackets: A Strategic Guide to Lowering Medicare Premiums"

How to Appeal Your 2026 IRMAA Determination If you receive an IRMAA letter for 2026 and believe it’s incorrect or unfair due to a life-changing event—like marriage, divorce, retirement, or death of a spouse—you can file an appeal using Form SSA-44. Social Security may adjust your premium if the event caused a significant drop in income. Since IRMAA 2026 is based on income from 2024, this appeal process exists to accommodate major changes. Being familiar with the 2026 IRMAA brackets gives you the power to spot errors or justify an appeal, potentially saving hundreds or even thousands annually.