Medicare with a Pension: Avoid Tax & Premium Surprises in Retirement

If you have a pension and over $1 million saved for retirement, your Medicare costs may look very different from the average retiree. In this video, we walk through why age 63 is such a critical planning year, how Medicare premiums are calculated, and strategies to minimize both taxes and healthcare expenses throughout retirement. You’ll learn about projected 2026 Medicare costs, the impact of required minimum distributions (RMDs), Roth conversion opportunities, and how to avoid costly mistakes that could push you into higher Medicare premium tiers. Stay tuned until the end for insights on IRMAA appeals, supplemental vs. advantage plans, and how to make Medicare planning work in your favor.

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Timestamps:
0:00 | Why Medicare planning is different with pensions & $1M+ portfolios
1:36 | Why age 63 is critical & how pensions, Social Security, and investments impact costs
2:22 | The Retirement Tax Time Bomb: RMDs, taxes, and Medicare premiums
3:21 | Only 7% of retirees pay higher premiums — why pensions change this
4:24 | How Medicare premiums (Part B & D) are calculated from income
5:24 | 2026 Medicare projections & why costs are rising faster than inflation
9:01 | Health care cost projections: $172K–$350K+ per couple
10:11 | Medicare tiers, costly mistakes, and how $1 can trigger thousands in extra costs
12:02 | Roth conversions before age 63: reducing long-term premiums & taxes
14:01 | Building tax-efficient income plans & projecting future Medicare costs
14:20 | IRMAA appeal (SSA-44) opportunities to reduce premiums
15:36 | Work with a team - Medicare supplement vs. advantage plans & choosing wisely
17:37 | Final thoughts, importance of expert guidance & subscriber call-to-action

Disclaimer: Since we do not know your specific situation, none of this information can serve as tax, legal, insurance, or financial advice, and may be outdated or inaccurate. The information comes from sources believed to be reliable but cannot be guaranteed. This content is prepared for educational purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Peak Retirement Planning, Inc. is a Securities and Exchange Commission registered investment adviser and able to offer advisory services in Ohio and in other states where registered or exempt from registration.