More than you think. We can't all be above average. Even with a 74% subsidy there will be a lot of people whose lifetime expenses are less than lifetime premiums. In the highest IRMAA tier probably most peoples lifetime expenses are less than lifetime premiums.How many people reach end of life with zero major medical events, and then just die in their sleep with no medical expenses at death? Most people are going to have at least one event before death that will have part B eligible cost exceeding a lifetime of part B premiums regardless of whether IRMAA is in play or at what level it is paid. That is especially true if the medical expenses are not at the Medicare-regulated fee levels.
Statistics: Posted by Epsilon Delta — Fri Oct 17, 2025 7:47 pm — Replies 61 — Views 2062