{"id":11,"date":"2026-09-07T14:00:00","date_gmt":"2026-09-07T14:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/kclegacyinsurancesolutions-com\/2026\/09\/07\/a-fund-payout-can-raise-2028-medicare-costs\/"},"modified":"2026-09-07T14:00:00","modified_gmt":"2026-09-07T14:00:00","slug":"a-fund-payout-can-raise-2028-medicare-costs","status":"publish","type":"post","link":"https:\/\/www.kclegacyinsurancesolutions.com\/blog\/2026\/09\/07\/a-fund-payout-can-raise-2028-medicare-costs\/","title":{"rendered":"A Fund Payout Can Raise 2028 Medicare Costs"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\"\n                src=\"https:\/\/www.roomvu.com\/agent\/embed\/keith-williams-4\/medicare-bill-increase-remotion-videos-3826\"\n                frameborder=\"0\"\n                allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\"\n                allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Navigating Medicare costs can get tricky\u2014especially when unexpected investment payouts come into play. For example, a retired couple with a MAGI close to $205,000 could see a $30,000 fund distribution push their income up to $235,000, which may trigger 2028 Medicare premium surcharges. Remember, for these surcharges, MAGI includes both AGI and tax-exempt interest, and taxable-account fund payouts count\u2014even if you didn\u2019t sell or rebalance anything. While only about 8% of Medicare beneficiaries end up paying these surcharges, households within $20,000\u2013$30,000 of a bracket are especially vulnerable to a one-off income spike. It\u2019s important to note that an appeal form generally won\u2019t help in these cases, as investment distributions aren\u2019t considered life-changing events for premium adjustments. At K C Legacy Insurance Solutions, we believe proactive planning is key: review year-end fund payouts, consider harvesting losses where it fits your strategy, and, over time, shift higher-distribution funds to tax-deferred accounts. These steps can help limit future surprises and keep your healthcare and financial security on track.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Navigating Medicare costs can get tricky\u2014especially when unexpected investment payouts come into play. For example, a retired couple with a MAGI close to $205,000 could see a $30,000 fund distribution push their income up to $235,000, which may trigger 2028 Medicare premium surcharges. Remember, for these surcharges, MAGI includes both AGI and tax-exempt interest, and [&hellip;]<\/p>\n","protected":false},"author":207,"featured_media":39,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-11","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.kclegacyinsurancesolutions.com\/blog\/wp-json\/wp\/v2\/posts\/11","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.kclegacyinsurancesolutions.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.kclegacyinsurancesolutions.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.kclegacyinsurancesolutions.com\/blog\/wp-json\/wp\/v2\/users\/207"}],"replies":[{"embeddable":true,"href":"https:\/\/www.kclegacyinsurancesolutions.com\/blog\/wp-json\/wp\/v2\/comments?post=11"}],"version-history":[{"count":0,"href":"https:\/\/www.kclegacyinsurancesolutions.com\/blog\/wp-json\/wp\/v2\/posts\/11\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.kclegacyinsurancesolutions.com\/blog\/wp-json\/wp\/v2\/media\/39"}],"wp:attachment":[{"href":"https:\/\/www.kclegacyinsurancesolutions.com\/blog\/wp-json\/wp\/v2\/media?parent=11"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.kclegacyinsurancesolutions.com\/blog\/wp-json\/wp\/v2\/categories?post=11"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.kclegacyinsurancesolutions.com\/blog\/wp-json\/wp\/v2\/tags?post=11"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}