Nita,
You cannot opt into Medicare before age 65. You can only get Medicare before age 65 if you qualify for disability benefits. If your husband is receiving disability benefits and is paying the highest extra premium of $230.80 per month you may be better off filing separately. Your husband's benefits may be partially taxable when added to your income. Filing on his own he may owe no taxes on his SS benefits and save $230.80 a month on Medicare. Tax preparers are not usually aware of the possible savings, $2,769.60 per year, in Medicare premiums.
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Posted by: cy4873@hotmail.com
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