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Sell the House in Retirement and Medicare Bills You for It 24 Months Later.
Key takeaways
- Sell the House in Retirement and Medicare Bills You for It 24 Months Later.
- 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.
Sell the House in Retirement and Medicare Bills You for It 24 Months Later. Drew Wood Sun, June 28, 2026 at 1:37 AM GMT+7 6 min read Quick Read 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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