Social Security's Going Up in 2027 — Here's What You'll Actually Keep

Social Security 2027 raise / Medicare Part B premium 2027 / COLA estimate 2027 Your Social Security check is going up in 2027 — but Medicare is about to take a bigger bite out of it before you even see the money. In this video, I break down the latest 2027 COLA estimates (3.5%–3.6%), the two competing Medicare Part B premium projections, IRMAA income brackets, the hold-harmless rule, and exactly how much you'll actually keep in your pocket every month. Social Security COLA 2027, Medicare premium 2027, retirement planning 2027, IRMAA brackets, Social Security increase. 25% Social Security: https://youtu.be/UyAT6ZjzTuo?si=Cg1n6a-X5HSix_jL ⏱ TIMESTAMPS 0:00 The real question nobody's asking 0:35 How COLA is actually calculated 2:30 2027 COLA estimates explained 4:15 What your check actually looks like 6:00 The twist: Medicare eats into it 7:30 Medicare Part B: two competing estimates 9:45 The deductible increase 11:30 IRMAA — the 2-year lookback trap 13:30 Hold-harmless protection explained 15:15 Your real net increase (the math) 17:00 What to do right now 18:45 Final answer ⚠️ Disclaimer: All figures are projections based on the 2026 Medicare Trustees Report and independent analyst estimates as of September 2026. Official numbers will be confirmed by the SSA (Oct 14, 2026) and CMS (November 2026). This video is for informational purposes only and is not financial advice. 🔔 Subscribe for the updated breakdown once official numbers drop. #SocialSecurity2027 #MedicarePremium2027 #COLA2027 #retirementplanning #socialsecurityincrease