Medicare Collective

Despite shifting subsidies and rising premiums, 22.8 million enrollments show that consumers are still engaging, and that professional guidance matters more than ever.

As enhanced Affordable Care Act (ACA) subsidies expired at the end of 2025, headlines warned of coverage losses, premium spikes, and a marketplace on shaky ground. Much of the public conversation focused on what consumers stood to lose.

The 2026 open enrollment data tells a more grounded story.

For decades, I've watched clients meticulously build their wealth—diligently planning, saving, and investing. Yet, I've seen even the most carefully constructed estates face a critical single point of failure: the high cost of long-term care (LTC) needs.

Here’s the striking paradox: all that meticulous financial planning becomes insufficient if it fails to account for what is frequently the most significant potential financial drain in retirement. Confronting the Long-Term Care risk is now arguably a fiduciary-level essential for safeguarding the client's intended legacy transfer.

Imagine a consumer you've worked with for years calling to ask a familiar question: "Should we still keep this Medigap plan? It just feels expensive." You sit down together, review the coverage, and compare it to newer Part D options. The math tells a surprising story: their total projected costs are trending down, not up.

Mastering Medicare Supplements for Client Security

Let’s talk Medicare Supplements or Medigap, as it’s often called. You’re sitting with your client who’s finally retired, dreaming of golf and grandkids, and they need insurance. They thought Original Medicare would be the solution, unaware of its deductibles, coinsurance, and other costs. That’s where Medigap comes in, turning scary surprise bills into predictable monthly premiums. You can provide that peace of mind.