If you’re planning your 2026 retirement income strategy, the decisions you make today can directly influence your Medicare premiums two years from now. Many retirees are surprised to learn that Roth and Traditional account choices don’t just affect taxes—they also determine whether you’ll face costly IRMAA surcharges later. Because Medicare uses a two‑year income lookback, your 2026 financial moves will shape your 2028 premiums, whether you realize it or not. Let’s break down five key Roth vs. Traditional decisions that can make or break your Medicare budget.
