I’ve been a CPA since 1981. I spent a decade on Wall Street. I’ve written about money for more than 35 years. And last year, Medicare still managed to overcharge me by thousands of dollars.

Here’s the kicker: It wasn’t a mistake. The system was working exactly as designed.

The good news? I found the fix. One form is getting me back nearly $7,000. And I’m going to walk you through it, step by step.

Why Medicare charges high earners more

Most folks pay the standard Medicare Part B premium, which is $202.90 a month in 2026. But if your income tops a certain level, the government tacks on a surcharge called IRMAA — the income-related monthly…

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