Healthcare

Consider factors like your budget, the size of your workforce, and specific employee needs. We guide businesses through plan comparisons to find the best group coverage.

Veterans may be eligible for various healthcare services, depending on their service history and current health needs. We assist in navigating these benefits to ensure comprehensive coverage.

It’s recommended to review your healthcare plan annually or whenever you experience a significant life change, such as a change in employment, family size, or health condition.

Original Medicare is administered directly by the federal government and accepted by most providers nationwide. It covers Part A and Part B services and is typically paired with a Medigap supplement and a Part D drug plan. Medicare Advantage is offered through private insurers approved by Medicare, often bundles drug coverage with extras like dental and vision, but operates within provider networks and may require referrals. Neither option is universally better. The right choice depends on your health needs, preferred providers, and how you want to manage out-of-pocket costs.

Part A is free for most people who have worked at least 10 years paying Medicare taxes. The standard Part B premium is $202.90 per month in 2026, with a $283 annual deductible. Higher-income enrollees pay more through IRMAA surcharges. Part D premiums vary by plan. Your total out-of-pocket cost depends on which plan structure you choose and how much care you use.

Most people should enroll during their Initial Enrollment Period, which begins three months before their 65th birthday and ends three months after. Missing this window without qualifying coverage from an active employer plan triggers a permanent 10% penalty on your Part B premium for each 12-month period you were eligible but did not enroll. If you are still working and covered by an employer at 65, different rules apply, and it is worth reviewing your timing before making any decisions.

Your main options are COBRA continuation from your former employer, which preserves your existing coverage but is typically the most expensive route; Covered California marketplace plans, which may include income-based subsidies that make them significantly more affordable; a spouse's employer plan if available; or private coverage. The right choice depends on your income, health needs, and how close you are to Medicare eligibility. Our specialists help clients in this transition find the most cost-effective path to 65.

IRMAA is the Income-Related Monthly Adjustment Amount, a surcharge added to Medicare Part B and Part D premiums for higher-income beneficiaries. In 2026, IRMAA applies to individuals earning above $109,000 and couples earning above $218,000, based on your 2024 tax return. Total Part B premiums for IRMAA payers range from $284.10 to $689.90 per month. Because IRMAA is calculated using income from two years prior, a one-time event such as a home sale or large IRA withdrawal can trigger a surcharge even when your current income is lower. Planning ahead with a specialist can help you anticipate and in some cases, avoid it.