Ages 60 to 70 · retiring · first years on Medicare
Got a letter from the IRS, Social Security or Medicare? Check it before you pay it.
The years around retirement come with letters that cost real money: a subsidy to pay back, an income surcharge, a penalty for life. Each check below takes two minutes, shows whether you can fix it, and gives you the date that matters.
ClawbackCheck
Will you have to pay back your 2026 health-plan subsidy? The repayment cap is gone. See what you'd owe in April and the moves that still count.
Check my subsidy → Social Security · Medicare surchargeIRMAAback
Retired but billed like you still work? Form SSA-44 can lower Medicare's income surcharge after you stop working, marry, divorce or lose a spouse.
Check my surcharge → Social Security · Part B penaltyPartBfair
Paying a Part B late penalty? Check the math; auditors found thousands charged wrongly. Leaving a job? Get your sign-up dates so you never pay one.
Check my penalty →The dates that matter
| When | What happens | Check |
|---|---|---|
| Nov – Dec | Medicare income surcharge letters for next year arrive. Job coverage ends for year-end retirees. | IRMAAback · PartBfair |
| Dec 31 | Last day for moves that change this year's income, like Roth conversions and 401(k) payroll deferrals. | ClawbackCheck |
| Jan 1 – Mar 31 | General Enrollment Period for anyone who missed Part B. First higher Medicare bills land. | PartBfair · IRMAAback |
| Jan 31 | Form 1095-A arrives for Marketplace plans. | ClawbackCheck |
| Apr 15 | Last day for HSA and IRA contributions that count for last year. | ClawbackCheck |