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Unlike private health insurance, Part D drug plans have no cap on patients’ 5% coinsurance costs once they hit $6,550 in drug spending, which forces patients to rely on financial assistance programs. These arrangements, however, do nothing to reduce drug prices.
From COBRA premiums to long-term care, there are surprising uses for funds in these tax-advantaged accounts.
Older American workers are feeling more unsettled than ever as the COVID-19 pandemic marks the second major financial setback they’ve endured in little more than a decade.
Those who feel they have inadequate savings may consider going back to work after the pandemic, even if it's on a part-time basis, according to an expert.
Aside from refinancing, retirees are advised to consider downsizing their homes to reduce overall spending.
Older clients who have lost a job prior to retirement are advised to first consider filing for unemployment insurance and begin making revisions to their budget.
“The advice I give is to calculate the financial impact for each option,” an expert says.
Seniors choosing between traditional and Roth IRAs must account for their current and future tax rates.
While retirement readiness among Americans has improved in general, Gen Xers are struggling with housing, college and medical costs, a survey finds.
“The advice I give is to calculate the financial impact for each option,” an expert says.
Ill-prepared investors are advised to vigorously plan their expenses and aggressively save in their 401(k)s and IRAs.
Financial planners should at least consider modeling early retirement to prepare clients for the possibility of uncertainty, says Morningstar.
Workers from both generations share similarities — and financial pressures — when planning for retirement, writes an expert.
Candidates are weighing whether Medicare for all or public options will be more appealing to voters.
When searching for the right plan, it is important that retirees assume their health will one day change.
Big businesses most likely fear big Medicare expansion in large part because it would lead to a significant tax increase. But looking at any tax increase as an enemy is a mistake.
Seniors living overseas are advised to enroll before moving back to the U.S.
Withdrawals for non-medical expenses would no longer be penalty-free under the proposal.
Medicare for all would require several new taxes to raise money, but some employers say such a plan would mean savings for their company and employees.
