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June 5, 2026

Medicare Part B IRMAA Strategy for Married Couples When One Spouse Works Past 65 — Coordination Working

Walks advisors through a real-world scenario where one spouse enrolls in Medicare Part B while the other continues working with employer coverage. Covers Part B timing windows, SSA reporting when one spouse has MAGA income from wages, and IRMAA bracket management for the enrolled spouse. Written as a peer financial advisor advising another practitioner on client enrollment decisions.

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June 5, 2026

Medicare Part B IRMAA 2026: Bracket Thresholds and Income Reduction Strategies

Details the 2026 IRMAA bracket thresholds by filing status with clear tables showing surcharge amounts at each income level. Explains the MAGI calculation mechanics and provides actionable income reduction strategies such as strategic Roth conversion timing, QCDs, and HSA optimization to lower future IRMAA brackets. Written as a peer advisor helping retirees proactively manage their Medicare premium costs.

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June 5, 2026

Early Retiree Health Insurance Premiums at 62-65: COBRA vs Marketplace vs Short-Term Plans — Before Medicare Age

Compares actual monthly premiums and deductibles across COBRA, ACA marketplace, and short-term plans for early retirees ages 62-65. Provides side-by-side cost tables with real 2026 estimates so financial advisors can guide clients on the most cost-effective coverage during the Medicare gap years.

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June 4, 2026

Severance Bonus Triggers Medicare IRMAA: Withdrawal Sequencing Strategy — Surcharge

Walks retirees near Medicare age through how a severance package or lump-sum bonus in their early 60s creates an IRMAA surcharge two years later due to the income reporting lag. Includes withdrawal sequencing tactics to keep MAGI below thresholds before Medicare enrollment at 65. Written as a peer financial advisor, not a government manual.

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June 4, 2026

Medicare Part B Enrollment Checklist 2026: Working Retirees vs. Non-Working Spouses

Walks practitioners through the enrollment decision points clients turning 65 in 2026 must navigate, separating working retirees still on employer coverage from non-working spouses who may rely on COBRA or have no current coverage. Includes the 8-month SEP trigger, general enrollment penalties, and month-by-month checklist. Written as an experienced peer financial advisor advising colleagues on client conversations.

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June 4, 2026

Medicare Part A Home Health Care: Eligibility, Limits, and Coverage Gaps

Clarifies Medicare Part A home health care boundaries for clients navigating post-hospital recovery. Distinguishes skilled nursing coverage from home health aide limits, explains the 100-visit annual threshold most advisors miss, and identifies coverage gaps that leave seniors exposed to out-of-pocket costs. Written as a peer practitioner helping other advisors brief their clients accurately.

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Disclaimer: Smart Money After 60 provides educational content only and does not offer personalized financial, tax, or investment advice. Consult a qualified professional before making financial decisions. Full disclaimer.