Medicare lets seniors skip home-sale income when calculating premiums
H.R. 3007 — Medicare Protection Act of 2025 · Filed by Kevin Kiley (I-CA) · Introduced Apr 24, 2025 · Referred to committee
Your members of Congress
Enter a ZIP to see where your representative and both senators stood on this bill.
Looked up on this device — your ZIP is never stored on our servers.
What it does
This bill amends Medicare law to exclude gains from the sale of a primary home from the income calculation used to determine whether beneficiaries pay higher premiums (Income-Related Monthly Adjustment Amounts, or IRMAA). Starting in 2025, seniors who sell their primary residence will not have that sale's proceeds counted as income when determining their Medicare Part B and D premiums — but only once per beneficiary.
Why we flagged it
The bill's sole operative mechanism is a targeted income-exclusion rule for a specific life event (primary residence sale), narrowing the tax base used to calculate means-tested Medicare premiums. It is a straightforward benefit carve-out, not a broad deregulation or subsidy.
What the text implies
- Beneficiaries who have already paid higher IRMAA premiums due to home-sale proceeds in prior years receive no retroactive relief or refund — the exclusion applies only prospectively from 2025 onward.
- The one-time-per-beneficiary limit may create administrative complexity in tracking whether a beneficiary has previously claimed the exclusion, particularly for beneficiaries with multiple residences or complex family situations.
The full analysis lists 3 implications of this text.
Who stands to gain
Medicare beneficiaries (seniors aged 65+) who sell primary residences