Over65? This $700 Change Could Wipe Out Your Entire 2027 Raise

Medicare is changing in 2027 — and most of it won't happen automatically in your favor. In this video we break down the 4 real changes coming to Medicare for 2027, in plain English: the new $700 Part D drug deductible, the $16-a-month premium subsidy that's ending, the out-of-pocket cap rising to $2,400, and the good news nobody leads with — 15 more drugs (including Ozempic, Wegovy and Rybelsus) getting big negotiated price cuts. We also cover the one date that decides everything: December 7. That's the end of Medicare Open Enrollment (October 15 – December 7, 2026). Miss it, and the plan you're on is the plan you're stuck with for all of 2027. What you'll learn: - The 4 confirmed Medicare changes for 2027 (and which numbers are still just projections) - Why your Annual Notice of Change letter matters more than you think - How to use the free medicare.gov Plan Finder the right way (sort by lowest drug + premium cost) - SHIP: the free, no-commission counseling every state offers - The honest side: why the $2,400 cap is still real protection - A real example: how these changes could eat a typical retiree's entire 2027 Social Security raise — and the 15-minute check that prevents it 📅 On October 14, Social Security announces the official 2027 raise. Subscribe — we'll break down the real number, and what Medicare takes out of it, the day it's announced. ⚠️ This video is for general education only. It is not personalized medical, insurance, financial, or tax advice. Part B figures for 2027 are projections from the Medicare Trustees; official numbers are confirmed by CMS in November. Always check your own plan's Annual Notice of Change and confirm details at medicare.gov before making any decision. Some footage and narration in this video are AI-generated / synthetic.