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A PROPERTY OF HEALTHINSURANCE.ORG, LLC, A NON-GOVERNMENTAL ENTITY
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How are Medicare benefits changing for 2026?
Changes to 2025 Medicare coverage include a $2,000 cap on Part D out-of-pocket costs, small reductions in the average premium for Medicare Advantage and Part D plans, increases for Medicare Part B and Part A premiums and cost-sharing, and adjustments to income-related premium surcharges for Part B and Part D.
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What is the income-related monthly adjusted amount (IRMAA)?
For 2025, high-income beneficiaries – earning over $106,000 a year – pay an IRMAA surcharge that’s added to their Part B and Part D premiums and determined by income from their income tax returns two years prior.

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.