Free · Senior-friendly · Step-by-step

You may be paying too much for Medicare. We can help.

If you got a letter from Social Security saying your Medicare Part B premium is going up because of your income (an “IRMAA” charge), and your income has actually dropped — for example, because you retired or lost a spouse — you can ask Social Security to use your real, current income instead.

This workbook walks you through it. It will fill out Form SSA-44 for you, tell you exactly which documents to gather, and give you a ready-to-mail packet at the end.

Tell us what changed

Pick the life event that lowered your income.

Enter your information

Your name, address, and current income — that's it.

Print and mail

We'll print everything Social Security needs to lower your bill.

A note on time. You generally have 60 days from the date of your IRMAA letter to file an appeal. If it's been longer, you can still try — it just helps to act soon.

This workbook is informational and not legal, tax, or financial advice. It pre-fills Form SSA-44 based on the information you enter; the Social Security Administration makes the final determination. For unusual situations or questions, call SSA at 1-800-772-1213 or contact your state's free SHIP (State Health Insurance Assistance Program) counselor.

Free step-by-step workbook to appeal your 2026 Medicare IRMAA surcharge after a life-changing event. Fills out Form SSA-44, lists the documents you need, and prints a ready-to-mail packet.

2026 Part B premiums and IRMAA income brackets are from the CMS notice published November 19, 2025.

Medicare IRMAA Appeal Workbook (Form SSA-44)

You may be paying too much for Medicare. We can help.

You may be paying too much for Medicare. We can help.