问个退休问题

猛牛
楼主 (文学峸)

如果退休在65岁以后家庭年入20万,Medicare 一般每月多少钱? 最好的每月要多少钱?

或者换一问法: 家庭年入多少以下,不用另外加钱?

听说有道线线!我感觉是20万,因为20万以上是上中产,按道理要多付些!

谢谢!

 

b
bobpainting
好问题。也想学习,有经验的帮回答
g
gccard
猛牛是司令,那么多钱,为何还为Medicare要交多少保费纠结,值吗?
猛牛
穷司令一个,没几条枪,也没几个人。

牛军司令部人员,屈指可数!有时候还是光杆司令,他们都叛逃到熊军去了!

啊哈哈哈。。。。。。。。。。。。。。。。

不常冒泡
roth IRA 不取出来是不是算收入?
s
spookyoldtree
帮你问了chatgpt

Medicare Part B Costs Standard Monthly Premium: The standard Part B premium for 2024 is $174.70. Income-Related Monthly Adjustment Amount (IRMAA): If your Modified Adjusted Gross Income (MAGI) exceeds certain thresholds, your premium can increase. For example, individuals with a MAGI of less than or equal to $103,000 or married couples with a MAGI of $206,000 or less will pay the standard premium. Premiums increase in tiers for higher income levels, reaching up to $419.30 per month for individuals with a MAGI equal to or above $500,000 and married couples with a MAGI equal to or above $750,000??. Medicare Part D Costs Standard Plan Premium: This varies by the plan you choose but is influenced by your income. IRMAA for Part D: Similar to Part B, Part D premiums increase based on your income. For instance, individuals with a MAGI above $103,000 and up to $123,000 will pay an additional $12.90 on top of their plan premium, and this additional amount increases in tiers for higher incomes, up to $81.00 plus the plan premium for individuals with a MAGI equal to or above $500,000??. Part A Costs Medicare Part A costs are generally not affected by income. Most people will not pay a monthly premium for Part A if they or their spouse paid Medicare taxes for a certain amount of time while working. If you do have to pay for Part A, the premium can be up to $505 per month, depending on how long you or your spouse worked and paid Medicare taxes??.
天下无熊无牛仅涨跌
取出来也不算
猛牛
谢谢,那太好了,那控制在$206,000以下就可以了!

不过,退休了,也花不了那么多钱,好像没必要考虑了!

啊哈哈哈。。。。。。。。。。。。

g
gccard
你怎么控制?你炒股票挣的没办法不报税吧
猛牛
在退休账户里炒,报税收入可控。取决于你取出多少。

啊哈哈哈哈。。。

h
houmom
需要用咋办?超过了也得取啊
g
genes100
关于Medicare 我曾经做过一个系列blog, 链接如下

https://blog.wenxuecity.com/myblog/72548/202308/22843.html
W
Wendy666
超过部分从Roth里面取钱
j
jonjon
听说如果看重病不想等保保险公司批准

的话,都是买medigap.全国除四个州以外,一旦买了Medicare,这辈子永远不可能再进medigap. 据说华人绝大多数都会买medigap.

O
Oona
现在的线画在20万以下,好像是18万多。
螺丝螺帽
看你买那种,假如是advantages (由AARP 买)

倒查二年,前二年报税50 万+,

 

Medicare 月费 ABCD 全在一起,也就是说600+

 

假如是买medigap G, 总和 加个300/月左右。

 

Medigap 好处是月费高点,但是去看病,自付就少。

螺丝螺帽
麻州可以随时进出变换。生大病就转medigap, 月费高,每次去看医生自付少
螺丝螺帽
正在进行时
螺丝螺帽
真不用担心。Medicare 是政府提供的福利,价格不会高的
忘路之远近
请问medigap 跟收入的关系是怎样的?最多和最少每月要多少?

我从没研究过, 这样看65岁以后的每月医疗保险花费并不比上班时少。

j
jonjon
Medicare再转回medigap需要underwrite吗?
s
sj1993
有没有pre-condition 限制? 谢谢
螺丝螺帽
查到这个, medigap 和前2年报税收入无关。以前上小孙班长的课,都听过, 但是, 忘记了

Are Medigap plans based on income?     Can Medicare charge me more based on my income? Yes Medicare can but this has nothing to do with MEDIGAP. Most people only pay for their Medicare Part B premium of $174.70 per month -with Medicare Part A generally covered at no cost to you.Sep 16, 2022      
螺丝螺帽
麻州, 没有
n
newbigman
thanks for the good question and a great answer from Spooky
猛牛
太好了,谢谢!
m
mimi56
Medigap 与收入无关, 同一个计划保的一样, 与州和公司有关
不常冒泡
谢谢回答。
忘路之远近
谢谢上面答复。