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if you are SSI/Medicare age and/or RMD age, your Plan B will jump several times each bracket your gross goes up. Your federal taxes will creep up too.

Sorry, not exactly correct. Medicare premiums have their own scales for when the premiums increase, which are not tied to tax brackets. The Medicare premiums start to increase at $85k for singles, $170k for couples. That happens to be close to where the current break between the 12% and 22% bracket is, but that's just a coincidence, since the current Medicare premium increase thresholds have been in place since 2011, while the tax brackets were reset with the TCJA, and are indexed for inflation yearly.

For those who are on ACA insurance, rather than Medicare, the subsidy limits are probably an even larger concern, since you lose your entire subsidy if you go $1 over 400% of the FPL for your family size.

All this goes to point out that there are lots of moving parts that need to be considered when doing Roth conversions.

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