Strategies to Manage IRMAA Exposure Avoiding unnecessary IRMAA charges requires strategic financial planning. One common method is to keep taxable income below IRMAA thresholds through Roth IRA conversions, tax-free municipal bonds, and health savings account withdrawals. Another effective approach is Qualified Charitable Distributions (QCDs), where retirees donate directly from the... https://www.federalpensionadvisors.com/post/2025-irmaa-brackets