The Hidden Medicare Penalty You Might Be Paying

The Hidden Medicare Penalty You Might Be Paying

September 25, 2025 · 17 min · Episode 151

About this episode

This episode discusses the hidden Medicare surcharge known as IRMAA that can reduce Social Security benefits for those with higher incomes.

Think Medicare is free once you hit 65? Not quite. If your income’s too high, there’s a hidden surcharge that can quietly shrink your Social Security check by thousands a year. It’s called IRMAA. And most people don’t see it coming. Let’s break down who’s impacted and how to avoid it. Important Links: Website: https://www.estesfinancial.net/ Call: 817-444-8402

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