Manage MAGI to avoid Medicare's income-based premium surcharges (up to $6K/yr extra).
Medicare Part B/D premiums surge in brackets tied to MAGI from 2 years prior (IRMAA). Top bracket adds ~$6,000/yr per person to premiums. Strategies: Roth conversions BEFORE age 63, QCDs from IRA (excluded from MAGI), tax-loss harvesting to reduce cap gains, life-changing event form (SSA-44) after retirement/divorce/death to reset lookback. Married couples optimize spousal RMD timing too.
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
Max HSA, pay medical out-of-pocket, invest the balance, reimburse decades later.
Reimburse employees for individual health premiums — tax-free, no group plan needed.
Reimburse up to $6,350 single / $12,800 family in premiums + medical, tax-free.
$75/mo DPC subscription + high-deductible catastrophic plan = better care at half the cost.
Hire your spouse, deduct 100% of family medical expenses through a §105 HRA.
Travel and $50/night lodging for medical care count toward the medical deduction.
Time elective procedures to clear the 7.5%-AGI floor in one big year.
$200–$450/mo cost-sharing plans (Medi-Share, CHM, Samaritan, Sedera).