Quick ReadA Qualified Charitable Distribution (QCD) from an IRA counts toward the RMD but is excluded from MAGI, keeping it invisible to Medicare's IRMAA surcharge calculation. Two retirees, same $1 million, same 4% rule, buy one finished with $1.4 million, the other hit $0 in 12 years. A 73-year-old widow takes her Required Minimum Distribution (RMD) from a $600,000 traditional IRA. Social Security, a small pension, and the RMD push her modified adjusted gross income (MAGI) to about $112,000. The Charitable Trick That IRMAA Cannot SeeAn IRA owner age 70½ or older can send money directly from a traditional IRA to a qualified public charity as a Qualified Charitable Distribution.