Certain life-changing events can significantly impact an individual’s income and, in turn, their IRMAA determination. Events such as retirement, marriage, divorce, death of a spouse, or loss of pension income can reduce Modified Adjusted Gross Income (MAGI). If a significant reduction in income occurs, individuals can file Form SSA-44 with the Social Security Administration to request... https://www.federalpensionadvisors.com/post/2025-irmaa-brackets