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This explains how retirement planning decisions can significantly affect your Medicare premiums through IRMAA surcharges. Clark Howard covers practical strategies for managing income in retirement to keep healthcare costs manageable. Great resource if you're approaching Medicare age or already enrolled. https://www.youtube.com/watch?v=-vQxLOReahw

Retirement Planning 2026 Clark has updates and advice to enhance your retirement saving strategy.Clark.com: Advice You Can Trust:SUBSCRIBE: https://www.youtube.com/c/ClarkListen To T...

First-time Medicare Advantage enrollees get a special safety net that many don't know about. If you switched from Original Medicare to any Medicare Advantage plan for the first time in 2026, you have until March 31 to switch back to Original Medicare with no questions asked. This trial right only works once in your lifetime, so use it wisely if your new plan isn't meeting your needs.

Here's something many people don't realize: If you lose employer health coverage after age 65, you get a special 63-day window to buy any Medigap policy without medical questions or denials. Insurance companies must accept you regardless of health conditions. This is one of the few times you get guaranteed Medigap rights after your initial enrollment period.