10/19/2026
Medicare is more than just a decision you make at 65.
IRMAA surcharges, HSA contributions, and the timing of Medicare enrollment can all have an impact on your healthcare costs in retirement. That’s why Medicare decisions should be considered as part of your broader retirement plan, not just when it’s time to choose coverage.
If you have questions about how Medicare fits into your retirement plan, or how decisions you’re making today could affect your future healthcare costs, we’re here to help. Reach out to our team to start the conversation.