{"id":11,"date":"2026-09-07T17:00:00","date_gmt":"2026-09-07T17:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/mikecaininsurance-com\/2026\/09\/07\/medicare-advantage-vs-original-medicare-2027\/"},"modified":"2026-09-07T17:00:00","modified_gmt":"2026-09-07T17:00:00","slug":"medicare-advantage-vs-original-medicare-2027","status":"publish","type":"post","link":"https:\/\/www.mikecaininsurance.com\/blog\/2026\/09\/07\/medicare-advantage-vs-original-medicare-2027\/","title":{"rendered":"Medicare Advantage vs. Original Medicare: 2027"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\"\n                src=\"https:\/\/www.roomvu.com\/agent\/embed\/michael-cain-1\/medicare-social-security-etfs-c461\"\n                frameborder=\"0\"\n                allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\"\n                allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Medicare premiums can catch many couples off guard if monthly planning isn\u2019t in place. For example, in 2026, a standard-premium couple will need to cover $405.80 per month for Part B ($202.90 each), and that\u2019s before Social Security deposits hit the account. One strategy I often discuss with clients involves pairing a three-ETF approach\u2014dividend growth, higher monthly distributions, and ultra-short Treasury bills. This method helps manage those recurring premiums without having to sell off investments during market dips. With about 250 shares of a high-yield equity fund, annual dividends can cover a year\u2019s worth of premiums. Alternatively, holding around 750 shares in a monthly income fund can align with steady monthly bills. The ultra-short Treasury-bill fund acts as a safety net, allowing couples to set aside 6\u201312 months of premiums and avoid selling equities during downturns. While a Social Security adjustment in 2027 may increase benefits by nearly 3%, planning ahead remains key to ensuring predictable income for Medicare expenses. My goal is always to help clients protect their financial future with solutions that bring peace of mind.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Medicare premiums can catch many couples off guard if monthly planning isn\u2019t in place. For example, in 2026, a standard-premium couple will need to cover $405.80 per month for Part B ($202.90 each), and that\u2019s before Social Security deposits hit the account. One strategy I often discuss with clients involves pairing a three-ETF approach\u2014dividend growth, [&hellip;]<\/p>\n","protected":false},"author":270,"featured_media":39,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-11","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.mikecaininsurance.com\/blog\/wp-json\/wp\/v2\/posts\/11","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mikecaininsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mikecaininsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mikecaininsurance.com\/blog\/wp-json\/wp\/v2\/users\/270"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mikecaininsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=11"}],"version-history":[{"count":0,"href":"https:\/\/www.mikecaininsurance.com\/blog\/wp-json\/wp\/v2\/posts\/11\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mikecaininsurance.com\/blog\/wp-json\/wp\/v2\/media\/39"}],"wp:attachment":[{"href":"https:\/\/www.mikecaininsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=11"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mikecaininsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=11"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mikecaininsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=11"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}