Sell the House in Retirement and Medicare Bills You for It 24 Months Later.

Medicare's two-year lookback converts a 2024 home-sale gain into a 2026 premium spike reaching $649 per spouse monthly in Part B alone.

The $500,000 married-couple exclusion leaves every dollar above exposed to IRMAA, but pushing a closing into January shifts the entire gain's lookback year.

A surviving spouse's IRMAA threshold drops from $218,000 to $109,000, potentially pushing the same gain into the top bracket with no income change.

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A couple sold their longtime home in 2024 for $1.2 million after buying it decades ago for $300,000. After applying the $500,000 married-filing-jointly primary residence exclusion, they still had a large taxable capital gain. Two Januarys later, their 2026 Medicare bills landed, and the Part B premium had jumped by hundreds of dollars per month, per spouse. The sale closed in 2024, but Medicare priced the income into their premiums two years later.

This article is for the small slice

Fuente original: Yahoo Finance (https://finance.yahoo.com/healthcare/articles/sell-house-retirement-medicare-bills-183754248.html)