Charitable donations can be used as a tax-efficient strategy to reduce MAGI and avoid IRMAA surcharges. One effective method is using Qualified Charitable Distributions (QCDs), where individuals over age 70½ can donate up to $100,000 per year directly from an IRA to a charity. Since QCDs are excluded from MAGI calculations, they lower taxable income without affecting Medicare premiums... https://www.federalpensionadvisors.com/post/2025-irmaa-brackets