The Surprise Bill That Hits Two Years After You Sell Your House

Medicare sets your premium from the tax return you filed two years earlier, so the taxable profit on a home sale can follow you into your first year of coverage. That makes 63 the year that decides your premium at 65, while a sale at 62 lands on a year Medicare never charges you for. This episode covers who actually gets caught, what the surcharge costs in 2026, and what to do before you sell.The $250,000 and $500,000 home sale exclusion, and why a cap frozen since 1997 now catches ordinary long-time ownersWhat the surcharge costs at each 2026 tier, and the two-year window that protects a surviving spouseWhy the SSA-44 appeal will not work for a home saleTake the free Retirement Income Roadmap (7 questions, about 30 seconds): incomeoverwealth.com/mapWatch this episode on YouTube: https://www.youtube.com/watch?v=uDBP5XD6Po8This episode is educational and focused on strategy and math. Always consult a qualified tax or financial professional before making personal financial decisions.