Medicare & IRMAA
The SSA-44 IRMAA Appeal Checklist
Retired, sold a house, or lost income — and Medicare now charges you more? This one-page checklist walks you through the SSA-44 appeal: the 8 qualifying life-changing events, the documents to gather, and where to file.
Medicare IRMAA Brackets 2026 — One-Page Chart
Every 2026 bracket for singles and couples, the exact Part B and Part D surcharge at each tier, and the $1 cliff that can cost a couple $2,296.80 a year — on a single printable page.
Open Enrollment Checklist: The 7 Checks Before Dec 7
The 7 checks to run before December 7, on one printable page.
Medicare
MPPP Month-by-Month Estimator
Medicare's formula in two lines, a twelve-month grid to trace your own year, and Rosa's two schedules as the worked example.
Plan G vs Plan N Break-Even Worksheet
Your two quotes, your visit count, and your doctors' assignment answers — the G-vs-N winner for your year, on one page.
HSA Stop-Date Worksheet
Your planned application date counted back six months to a stop date, the 2026 monthly pace table, and the excess-check steps — one page.
MAGI Levers Checklist
All six levers in order — the tier lines, your distance-to-the-line worksheet, and every deadline — on one printable p
Read the guide Get the free worksheet
Turning 65 Timeline
Your IEP, SEP and Medigap windows on one printable page — with both penalty formulas and the HSA and COBRA warnings.
MA vs Medigap Decision Worksheet
Both paths priced side by side — premiums, worst-case caps, networks, and the 12-month trial right — on one fill-in page.
2027 Premium Watch Worksheet
What's official for 2026, what's projected for 2027 ($209.50), and blank slots to fill in the day CMS announces — one page.
Extra Help + MSP Eligibility Screener
Both programs' 2026 income and resource lines, the does-not-count list, and the order to apply in — one printable page.
Long-Term Care Reality Worksheet
The 100-day SNF estimator, the observation warning, and the who-pays checklist — on one printable page.
Read the guide Get the free worksheet (PDF) Have it emailed to you
Part A Quarters Counter
Count your quarters year by year, find your tier, run the spouse check, and price both paths side by side.
Read the guide Get the free counter (PDF) Have it emailed to you
Roth Conversions & Taxes
Roth Conversion × IRMAA Worksheet
Before you convert, run the two-year rule: how a conversion raises the Medicare premium you pay two years later, the exact conversion room left in your current bracket, and the dollar cost of crossing the line by $1.
Social SecurityCut Scenario Worksheet
Run your own benefit through both 2032 scenarios — full schedule and 78% — and see why waiting still wins, on one printable page.
COLA Notice Decoder Card
Read your real 2027 COLA notice line by line — new amount, deductions, and the scam letter to throw away — on one printable page.
FRA + Key Dates Card
The full birth-year chart, plus lines to write in your own FRA date, earliest claiming month, and age-70 date — one printable page.
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