Capital Gains Surprise: Selling Your Home and the IRMAA Cliff
Confused by Social Security?
Planning to downsize? The capital gains from selling your home could trigger a massive Medicare surcharge two years later.
The IRMAA Cliff
Any profit above the exclusion ($250k/$500k) counts as income. This spike can double your Medicare premiums in 2028.
Planning a big asset sale?
Let’s map out the tax and Medicare impact before you list.
Can You Appeal?
Sometimes, if you retired the same year. Otherwise, budget for the surcharge.
About Author
Ray R. Harris
Ray R. Harris, RSSA®, partners with tax and legal professionals to provide specialized Social Security claiming analysis for high-net-worth clients aged 58–70. A former executive with an MBA and background in Finance, Ray mitigates liability for his partners by ensuring their clients optimize spousal benefits, tax efficiency, and lifetime income.
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