Countdown until Medicare Annual Enrollment opens
Until AEP opens October 15, 2026
This counts down to when the federal review window opens. It is not a sales deadline. You can review and stay.
Medicare Part B has a standard premium. Some people pay more because of income. That extra is IRMAA. It can apply to Part D too. Social Security usually withholds it. It uses tax data from two years ago, not last Tuesday.
A Roth conversion, a business sale, a large capital gain, or a year you worked extra can raise what you pay for Medicare later. People are surprised because the mailer that enrolled them never mentioned it.
What this is not
It is not a reason to skip Medicare you need. It is not a DIY tax plan in a blog post. I am a broker and a Registered Social Security Analyst, not your CPA. If IRMAA might apply, the move is to know it exists before you time income and before you pick a coverage build.
Life events (marriage, retirement, work stoppage) can sometimes justify a new determination. That is paperwork with a reason, not a complaint call.
Why I put this in September
Because AEP conversations ignore income until January’s bill feels wrong. If your income jumped, say so at the review. It may not change Advantage vs Supplement. It may change how you think about timing. Bring the question. We will tell you when it is a CPA problem vs a coverage problem.
Book a free consult or send a message. Call 702-627-2605. By calling the number above, you will be connected to a licensed insurance agent.
No plan prices, extra benefits, or carrier names on this page. Those belong in a comparison after we know your doctors and drugs.