For many retirees, selling their home is one of the biggest financial windfalls they’ll see outside of work — especially if they’ve owned it for decades, given the rapid rise in home prices. According to the Joint Center for Housing Studies (JCHS) at Harvard University — which used data from the 2022 Survey of Consumer Finances — median home equity for homeowners age 65 and over was about $250,000 that year. (1) As a result, selling the family home could feel like cashing in a lottery ticket. Must Read ...

医疗保险收入相关月调整金额规则 - 医疗保险B部分基础月保费为185美元[3] - 收入相关月调整金额的征收基于两年前的税务收入数据 即2026年参保将依据2024年税表确定费用[3][4] - 个人收入超过106000美元时触发IRMAA征收 该标准为2025年水平[4] IRMAA收费结构与时长 - IRMAA采用五级定价阶梯 额外月费从74美元起 最高可达444美元[4] - 参保后IRMAA收费将持续至该日历年底 例如5月参保则可能面临8个月较高费用[2][5] - 未来年度保费义务将基于前两年的税表确定 例如2027年费用将依据2025年税表评估[5] 收入规划与潜在规避策略 - 由于存在两年回溯规则 在62岁时实现大额资本收益比在63岁时更有利 可避免临近参保时的高收入影响[6] - 若后续年度收入下降 参保人可能仅需支付短期较高保费 甚至可能完全免除IRMAA费用[2] - 某些不可控收入事件如出售业务或意外横财可能难以规划 但应尽可能避免超过IRMAA收入门槛[6]