Roth Conversions and Their Effect on IRMAA 2026 Roth IRA conversions can impact your position within the 2026 IRMAA brackets. While converting traditional IRA funds to Roth IRAs offers tax-free growth and withdrawals, the conversion amount is included in your Modified Adjusted Gross Income (MAGI). This increase could push you into a higher IRMAA 2026 bracket if not carefully planned.... https://www.federalpensionadvisors.com/post/2025-irmaa-brackets