Medicare Protection Act of 2025
Key claim: This House bill would stop the proceeds from selling a person’s main home from counting as income that can raise their Medicare medical-services premiums.
Abstract
(HR3007 · 119th Congress) Medicare Protection Act of 2025 This bill excludes the proceeds of a sale of an individual’s principal residence from counting as income for purposes of determining the individual’s premiums under Medicare medical services. Latest action (2025-04-24): Referred to the Committee on Energy and Commerce, and in addition to the Committee on Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
Why this matters
Medicare Part B and Part D premiums are increased for higher-income beneficiaries through IRMAA surcharges based on MAGI, and a one-time capital gain from selling a longtime home can push seniors into a higher premium bracket for a year or more. This bill would carve primary-home sale proceeds out of that income calculation, protecting downsizing retirees from surprise premium hikes.