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How to Surprise-Proof the Medicare Surcharge
By
Jeff Judge
Expert Opinion May 20, 2026 at 03:33 PM
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What You Need To Know
- Medicare uses your tax return from two years prior to set premiums.
- Form SSA-44 exists because the two-year lookback creates predictable mismatches for newly retired clients.
- Advisors should flag the lookback window for every client approaching Medicare eligibility.
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