Understanding IRMAA: Unexpected 2026 Medicare PENALTY! Former SSA Insider

Thinking about selling your home? Before you do, watch this important warning about how a home sale could increase your Medicare costs! In this video, Dr. Ed (former Social Security insider) breaks down how selling your house—even with exclusions—can boost your income and trigger an IRMAA surcharge, raising your Medicare Part B and Part D premiums for the following year. Learn how the IRS home sale exclusion works, how MAGI is calculated, and how to avoid unexpected Medicare penalties.

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👨‍🎓 About Dr. Ed, PhD
Former Social Security District Manager | Marine Corps Sergeant (Ret.) | Adjunct Professor | Dept. of Social Services Specialist.
I’ve dedicated my career to helping people navigate Social Security, Medicare, Medicaid, disability, retirement benefits, and more.

⚖️ Legal & Affiliate Disclosure
I am not an attorney or tax advisor. I’m not affiliated with the US Government. SSA makes final benefit decisions. Chapter (Memoir, Inc.) is a private Medicare advisory, not connected to the government. For official info, visit Medicare.gov or call 1-800-Medicare. Some links are affiliate partnerships — using them helps keep this content free.

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