Topic hub
Medicare & Health Insurance.
Medicare is the federal insurance most adults inherit at 65. The actual decisions around it — Original vs. Advantage, which Medigap letter, when to enroll, how to navigate IRMAA — are where families lose money and coverage they didn’t know they had.
What this pillar covers.
Original Medicare vs. Medicare Advantage
The biggest first decision. Out-of-pocket math, network restrictions, when one beats the other.
Medigap & supplemental coverage
Plans F, G, N — what each covers, when they’re sold, why state rules matter.
Part D and prescription costs
Formularies, donut hole rules, and the 2026 $2,000 out-of-pocket cap.
IRMAA & high-income surcharges
When your parent’s past income raises their Medicare premium — and how to appeal it.
Annual Enrollment Period (AEP)
Oct 15–Dec 7 each year. What to compare, what to ignore, what to never re-enroll into.
Medicare varies by state.
We publish a medicare guide for every state where rules meaningfully differ from the federal default. Click your state to read its variant.
Tools for medicare.
Calculators and decision engines built for this pillar.