No. of Recommendations: 1
I was thinking employed spouse would cover insurance.

Once you hit 65, employer plans can require you to use Medicare as the primary, and the employer plan as the supplement, especially if it's not the employee who is 65. You would need to check on that with the employee's plan. If that's the case, the 65 year old would be paying Medicare rates, including IRMAA.

Plus, the Medicare IRMAA calculations look at the tax filing 1 or 2 years back, so that means that once the non-employed spouse hits 63, MFS would require an appeal.

And that still presumes that you would actually save money by doing MFS filings - which, as in the example I went through on the tax board shows, may not happen.

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