To postpone Medicare registration. What you need to know

Dignity: When my wife approaches 65, the employer was used by a high-deductible health plan (HDHP) with a health deposit account and covered. Neither employer nor local Social Security Administration not recommended how to registroduce in Medicare, but after making a great research. I’m getting close to 65 now. My husband still works, but also covered with his health insurance, although both are in its name. I am writing to Medicare at the appropriate time or delay registration as it does?

Respond: Delay Medicare registration can result in penalties that can increase your prizes for life. If you or a spouse still works for an employer with a employer with 20 or more employees, you can generally refuse to apply for medical insurance provided by the employer to take medicine without punishing. If the coverage or employment ends you will be eight months before punishing.

Medicare allows you to delay your husband and contribute to your husband, your health. In 2025, the HSA contribution limit is only $ 4,550 for coverage for itself and $ 8,550 for the family coverage, plus account owners $ 55 or above. HSA contributions are not allowed after registering in Medicare.

Medicare confirms that you can adapt to the employer’s benefits department and delay your application. Let’s hope that so far the employer’s human resources department has allowed to accelerate this important issue.

Dignity: We have read your final column about capital gains and home sales. This is, if our understanding receives a valuable property within the 180-day window, it receives a value for tax purposes, reduces $ 500,000 freedom, calculus, which is re-investment or re-investment or capital income. We talked to CPA and directed us to a site specializing in 1031 shares.

Respond: You have gained two different bands of two different tax laws.

Only the sale of your primary residence will be released from home sales to be released from home sales, which can release a $ 500,000 dollar home sales profit for a married couple. You have to own and live at least two houses in the previous five years.

At the same time, 1031 exchange allows you to postpone capital gains such as commercial or rental real estate, such as commercial or rental real estate within 180 days. The replacement property should not be more expensive, but if you have a less expensive or smaller mortgage than the property you sell, you can owe capital savings taxes.