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How are Medicare benefits changing for 2026?
Learn how premiums, out-of-pocket costs and income-related surcharges are changing for 2026 Medicare coverage.
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What is the income-related monthly adjusted amount (IRMAA)?
For 2026, Medicare beneficiaries who earn over $109,000 a year and who are enrolled in Medicare Part B and/or Medicare Part D – pay the income-related monthly adjusted amount (IRMAA), which is a surcharge added to the Part B and Part D premiums.

Jae W. Oh

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Jae W. Oh, MBA, CFP®, CLU® ChFC® is a nationally recognized Medicare expert, frequently quoted in the national press, including on USA Today, Dow Jones, cnbc, and Nasdaq.com, as well as on radio talk shows nationwide.

Jae’s book, Maximize Your Medicare (2019 edition), is available in print and ebook formats. The 2020-21 edition will be published by Skyhorse Publishing. He has appeared as a speaker in front of libraries, companies, as part of college-sponsored programs.

Jae is the Managing Principal of GH2 Benefits, LLC, a full provider of the widest range of financial products and services. He is a Certified Financial Planner, Chartered Life Underwriter, a Chartered Financial Consultant, and a licensed insurance producer in multiple states. He is the founder and current Chairman of the Great Humanity Healthcare Foundation, created to provide financial relief to insured persons that are overburdened by medical debt. Jae has served in management roles in securities markets on three continents.

He has a Master’s Degree in Business Administration (MBA) with concentrations in Accounting and Finance from the University of Chicago, and a Bachelors of Arts (BA) degree in Economics and Political Science from the University of Michigan, Ann Arbor.