For retirees in Medicare the tax of irmaa is happening and at a more alarming rate than ever before, so much so that the future of IRMAA will impact many more retirees than anyone is planning for. The 2025 IRMAA brackets are expected to affect even more retirees than the current brackets. Each IRMAA tier has a corresponding marginal tax rate that determines the additional premium part B and part D surcharges.
In 2007, when IRMAA first came into existence, roughly 1.7 million Medicare beneficiaries were hit with this tax.
Today, in 2023, the amount of people in IRMAA is over a staggering 6.8 million. This is an increase of 9.00% annually from 2007 and the future doesn’t look like it will decrease either.
What is the Future of IRMAA?
According to recent reports from the Trustees of Medicare, by 2030 there will be at least 12.8 million or 25% of all eligible Medicare beneficiaries in IRMAA.
This amount of Medicare beneficiaries who will be in IRMAA, according to the Trustees, must occur, regardless of what the IRMAA thresholds may become as the program itself (Medicare) will be insolvent in just a few years without it.
IRMAA is simply a revenue source for both the Medicare and Social Security programs, without it both programs will be in serious jeopardy. The Social Security Administration uses your modified adjusted gross income (MAGI) to determine your IRMAA tier and corresponding marginal tax rate.
What is IRMAA?
IRMAA, short for Medicare’s Income Related Monthly Adjustment Amount, is a surcharge on to of Medicare Part B and D premiums for those who earn to much income. The income-related monthly adjustment amount (IRMAA) is based on your modified adjusted gross income.
IRMAA is a tax on income.
If you earn an income over a certain limit, then your Medicare premiums will increase accordingly. The more you make in oncome the higher your premiums will be. Your adjusted gross income, as reported on your tax return, is used to determine if you are subject to the income-related monthly adjustment amount. The marginal tax rate for IRMAA can be as high as 85% for the highest income tier.
Compounding this issue of IRMAA and its surcharges is that any surcharges you are hit by will reduce your Social Security benefit too.
You pay for your IRMAA surcharges through your Social Security benefit.
So, the more income you earn in retirement the more your Medicare premiums will be and the lower your Social Security benefit will be too. For married couples filing jointly, the IRMAA threshold is higher than for single filers. The Social Security Administration determines your IRMAA tier and premium part B and D surcharges based on your taxable income.
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The recent string of hurricanes hitting Florida has caused budgetary concerns among local and state tax bodies. To meet their demands,Florida tax relief programs were implemented in June 2021. The aim of this tax relief program is to provide a substantial amount of tax relief for all kinds of property losses suffered by Florida residents in the aftermath of hurricane Andrew,which is expected to affect over a million residents of Florida. Among these tax relief programs,one of the most sought-after programs is the “Home Affordable Program”,which aims to help families and individuals who have been affected by Hurricane Wilma in June 2021 recover from the losses they have incurred due to its destruction. This tax relief program is being considered by many as an effective way of reducing the impact of Hurricane Wilma on Florida’s residents and property owners.
FICPA president-owner Deborah Curry along with the Florida Department of Financial Services (FDFS) is urging citizens to contact them for information regarding hurricane insurance,which is mandatory in Florida when damage or destruction of properties takes place. In June 2021,the state government had introduced the F Disaster Tax Relief Act into the Florida Statute. The law provides tax relief for damage and loss caused by hurricanes,cyclones,storms,flood,windstorm,explosion,fire,vandalism,malicious prosecution,damage caused by riot,terrorism,public nuisance,malicious prosecution,or eminent domain,to wit,anything that may cause injury or damage to any person or his property. The law is also applicable to qualified property owners of a partnership or limited liability company.
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In John 7, we find a spiritually rich moment during the Feast of Tabernacles, one of Israel’s most sacred annual gatherings.
“On the great day of the feast, Jesus stood and cried out, saying, ‘If anyone thirsts, let him come to Me and drink.’” — John 7:37
This was not just a commonplace event—it was a climactic moment. The last day of Sukkot held deep meaning in the Jewish calendar. Each day, the priests carried out the water-pouring ceremony, drawing water from the Pool of Siloam and pouring it at the altar. This act was both a prayer for blessing and a symbol of the spiritual refreshment.
In the midst of this joyful scene, the Messiah stood up and cried out—a gesture that was both unusual in His ministry and meant to highlight urgency.
He wasn’t merely speaking of physical water, but rather offering a spiritual gift—something eternal.
An Open Invitation to All
“If anyone thirsts, let him come to Me and drink.” – John 7:37
This invitation was life-changing. Yeshua didn’t specify race, status, or background. He spoke to anyone—to the rich, to the curious. His words were directed at those who knew their own inner thirst.
From a SDA perspective, this scene reflects the call of Isaiah 55:1:
“Ho! Everyone who thirsts, come to the waters…”
Just as ancient Israel looked back on God’s provision in the wilderness, Yeshua pointed forward to living water—symbolizing the Holy Spirit, who would be poured out on those who believe.
The water ceremony at Sukkot was a reminder of how God gave water from the rock in the wilderness. Now, Jesus identifies Himself as the true Source, the Rock of Ages, from whom salvation flows.
Prophetic Layers of the Feast
Yeshua’s statement in John 7:38-39 continues:
“He who believes in Me, as the Scripture has said, out of his heart will flow rivers of living water.”
“But this He spoke concerning the Spirit, whom those believing in Him would receive…”
This was more than an invitation—it was a revelation. The Feast of Tabernacles, while commemorating God’s presence in the wilderness, was ultimately pointing to the outpouring of the Holy Spirit.
For Adventists, this aligns with the biblical concepts of the early rain and latter rain. The early rain came at Pentecost. The latter rain, still to come, will fall just before the final harvest—representing the great outpouring of the Spirit in the last days (Joel 2:23; James 5:7-8).
This feast is a symbolic preview of what God wants to do in the lives of His people at the end of time—to fill them with power for the final message and mission.
The Closing Day of the Feast: A Powerful Moment
John 7:37 begins with a notable moment:
“On the last day, that great day of the feast, Jesus stood and cried out, saying, ‘If anyone thirsts, let him come to Me and drink.’”
This was no ordinary day. The last day of Sukkot was a time of great celebration. Each day of the feast, a symbolic water-pouring ceremony took place, where a priest would draw water from the Pool of Siloam and pour it out at the base of the altar in the temple. This was a prayer for physical blessing and a symbol of the Holy Spirit.
In this ritualistic moment, Yeshua stands up and cries out—a rare action in His ministry. This act was intentional, drawing attention to a deeper meaning. He wasn’t just speaking about physical water. He was offering something much greater: spiritual life.
“If Anyone Thirsts…” – Yeshua’s Open Invitation
Yeshua’s words were both life-changing and inclusive:
“If anyone thirsts, let him come to Me and drink.” – John 7:37
This was an invitation to all—rich or poor, Jew or Gentile, educated or uneducated. He didn’t call the righteous or the proud, but those who recognized their thirst—those who longed for truth, peace, forgiveness, and spiritual life.
From a Seventh-day Adventist perspective, this echoes Isaiah’s prophecy:
“Ho! Everyone who thirsts, come to the waters…” – Isaiah 55:1
Just as the water ceremony symbolized God’s provision in the wilderness, Yeshua was now offering living water—the indwelling Holy Spirit, who refreshes and transforms the soul.
Rivers of Living Water: The Promise of the Spirit
Yeshua continues in John 7:38-39:
“He who believes in Me, as the Scripture has said, out of his heart will flow rivers of living water.”
“But this He spoke concerning the Spirit, whom those believing in Him would receive…”
The Feast of Tabernacles had always pointed to God’s presence with His people. In the wilderness, He was there in the pillar of cloud and fire. Now, Yeshua promises the Holy Spirit as the ultimate fulfillment—a personal, living presence inside every believer.
For Adventists, this speaks to the early rain and latter rain imagery. The early rain came at Pentecost. The latter rain—yet to be poured out in full—is what God’s people await before the final harvest (Joel 2:23, James 5:7-8). Sukkot looks forward to that final outpouring before the return of Christ.
The Reaction of the People
After Jesus’ declaration, the people were stirred. Some said:
“This is the Prophet.”
Others said, “This is the Christ.” – John 7:40-41
But others doubted Him because He came from Galilee, not realizing He was born in Bethlehem, the city of David. There was confusion because people were focused on appearances and expectations, not prophetic truth.
This is a common theme in Yeshua’s ministry—and a warning for all generations. If we judge by surface-level tradition, we may miss the Messiah standing right before us.
The Message for Today
For Seventh-day Adventists, the message of Yeshua at the Feast of Tabernacles is a call to:
Recognize our spiritual thirst
Come to Jesus for living water
Receive the Holy Spirit fully
Prepare for the final outpouring in these last days
As we near the Second Coming, we too must gather, rejoice, and look forward to that time when God will again dwell with His people—not in booths, but in eternity.
Walking in Tabernacles Truth
The message of Messiah at the Sacred Assembly of Booths is not just a historical event—it holds rich truth for us in this generation.
As SDA Christians, we understand that the biblical feasts are not simply Jewish customs, but God-ordained seasons pointing to the mission of Christ and His work for humanity.
The Celebration of Tabernacles, in particular, represents the final ingathering—a time when God will reunite with His people before the appearing of Christ.
A Glimpse of Glory
The Feast of Tabernacles also reminds us of a future reality—when the New Jerusalem descends and God will live among His people once again (Revelation 21:3). No longer in tents or temporary booths, but in a perfect world where sin is no more.
This moment will be the consummation of all the feasts, all prophecies, and all hopes of God’s faithful throughout the ages.
Just as ancient Israel looked back on God’s provision in the wilderness, we now look forward to that eternal tabernacle, where God’s presence will be our joy forever.
A Call to Readiness
Yeshua’s invitation still echoes through time:
“If anyone thirsts, let him come to Me and drink.”
He offers the Holy Spirit to all who are willing to come. The only requirement is hunger—a heart that knows it needs Him.
For the end-time remnant, the message is clear:
Do not rely on traditions alone.
Seek the living presence of God through the Holy Spirit.
Prepare for the latter rain, the Spirit’s final work before the return of Christ.
Ready for the Eternal Sukkot
The imagery of the harvest is woven throughout Tabernacles. For those awaiting Christ’s return, it speaks to the final call—the final gospel proclamation going to every nation, tribe, tongue, and people (Revelation 14:6).
Soon, the spiritual harvest will be complete. Those who have responded to the voice of Jesus, who have drunk of His living water, will be gathered into His eternal kingdom.
Let us not miss the moment. Let us respond, rejoice, and get ready.
The Feast of Tabernacles is not just a memory—it is a foretaste of eternity.
May we all be found watching when the true Tabernacle appears in the skies, and God dwells among us forever.