✉ Letter Desk
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Got a letter about your health coverage, Medicare or benefits?

We're here to help.

Pick who sent your letter, then match it to one of the examples below. Each example leads to a free check that tells you if the letter is right, what you can do about it, and the date you can't miss.

Who sent your letter?

IRS · Marketplace Health plan subsidy

ClawbackCheck

You had a Marketplace health plan in 2026

Check my subsidy →
Example
Form 1095-AHealth Insurance Marketplace Statement

Recipient: xxxxx xxxx xxxxxx xxxx

Monthly advance payment of premium tax credit: $ ___

xxxxx xxxx xxxxxx xxxx xxxxx xxxx xxxxxx xxxx

Look for: Form 1095-A, “advance payment of premium tax credit”

What it means: part of your premium was paid up front, based on your income guess. If your 2026 income came in higher, you may owe some back at tax time. The old repayment limit is gone, so the bill can be large.

Social Security Medicare premium surcharge

IRMAAback

Your Medicare premium is going up because of your income

Check my surcharge →
Example
Social Security AdministrationNotice about your Medicare premiums

xxxxx xxxx xxxxxx xxxx xxxxx xxxx xxxxxx xxxx

You must pay an income-related monthly adjustment amount in addition to your standard Part B premium.

xxxxx xxxx xxxxxx xxxx

Look for: “IRMAA”, “income-related monthly adjustment amount”

What it means: Social Security used your tax return from two years ago. If you have since retired, cut back on work, married, divorced, or lost a spouse, you can ask them to lower it with Form SSA-44.

Medicare Part B penalty and sign-up

PartBfair

You were charged a Part B late enrollment penalty

Check my penalty →
Example
Medicare · Social SecurityNotice about your Part B premium

xxxxx xxxx xxxxxx xxxx xxxxx xxxx xxxxxx xxxx

Your premium includes a late enrollment penalty of ___% because you did not sign up for Part B when first eligible.

Look for: “late enrollment penalty”, “Part B”

What it means: a penalty added to your Part B premium for as long as you have Medicare. It is sometimes charged by mistake, especially if you had health coverage through a job.

PartBfair planner

No letter yet? You are leaving a job or your job coverage is ending

Plan my sign-up →
Example
Your employer · HRNotice that your group coverage ends

xxxxx xxxx xxxxxx xxxx xxxxx xxxx xxxxxx xxxx

Your group health coverage ends on ___.

xxxxx xxxx xxxxxx xxxx

Look for: “coverage ends”, “COBRA”

What it means: you have a limited window to sign up for Part B without a penalty. Get your dates and the two forms you need, filled in.

Your state Medicaid and SNAP work rules

WorkRuleCheck

Your Medicaid or SNAP (food benefits) letter talks about work hours

Check my work rules →
Example
State Department of Social ServicesNotice about your benefits

xxxxx xxxx xxxxxx xxxx xxxxx xxxx xxxxxx xxxx

To keep your benefits, you must meet the work requirement: 80 hours a month, or show you are exempt.

xxxxx xxxx xxxxxx xxxx

Look for: “work requirement”, “community engagement”, “time limit”, “ABAWD”

What it means: new rules for Medicaid (starting in 2027) and SNAP (now). Many people are exempt. See where you stand and print free proof forms.