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2027 Social Security COLA estimate reaches 3.5% as Medicare surcharge may offset increase

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  • Social Security may issue retirees larger 2027 benefits alongside IRMAA notices.
  • A 3.5% COLA would add roughly $70 to a $2,000 monthly benefit.
  • 2025 MAGI determines 2027 Medicare premiums, while 2026 income determines 2028 premiums.
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