# She Stops Roth Conversions Before Medicare Starts

> Retirees converting IRAs to Roth at 63 and 64 face Medicare surcharges two years later.
- Title: She Stops Roth Conversions Before Medicare Starts | Shortify
- Summary: Retirees converting IRAs to Roth at 63 and 64 face Medicare surcharges two years later. A retiree who converts part of her traditional IRA to Roth at 63 and…
- Keywords: roth conversion, medicare premiums, irmaa surcharge, traditional ira, medicare, retirees, tax conversion, medicare part b, adjusted gross income, muni interest, Stops, Roth
- Source: 24/7 Wall St. — https://247wallst.com/personal-finance/2026/10/13/she-stops-roth-conversions-before-medicare-starts-but-the-money-she-converted-at-63-and-64-can-raise-her-first-two-years-of-premiums
- Author: Gerelyn Terzo
- Published: 2026-10-14T01:40:44+00:00
- Read time: 1 min
- Topics: roth conversion, medicare premiums, irmaa surcharge, traditional ira, medicare, retirees, tax conversion, medicare part b, adjusted gross income, muni interest
## She Stops Roth Conversions Before Medicare Starts
A 63-year-old retiree converts part of her traditional IRA to a Roth in 2026, does it again in 2027, then relaxes.
## Medicare Does Not Read the Calendar
Medicare reaches back two years and finds both conversions anyway.
## IRMAA Surcharge Depends on Income
IRMAA affects roughly 8% of people with Medicare Part B. Single filers with income at or below $109,000 pay the standard $202.90 monthly Part B premium.
## Conversions Set Future Premiums
Her 2026 return sets 2028 IRMAA; her 2027 return sets 2029 IRMAA.
## Roth Conversions Count as Income
A Roth conversion moves pretax money into a Roth, and the taxable amount generally counts as ordinary income that year.
## Two Conversions Can Trigger Two Surcharge Years
A $50,000 conversion raises her MAGI to $120,000, inside the tier that runs from $109,000 to $137,000. That tier adds $81.20 a month to Part B.
## The Cliffs Are Immediate
At $109,000 she pays the standard $202.90. At $109,001 she jumps to $284.10, plus the Part D surcharge if she has drug coverage.
## Key takeaway

A retiree who converts part of her traditional IRA to Roth at 63 and 64 may face higher Medicare premiums in 2029 due to IRMAA surcharges.