Retirement

Browse our articles about retirement

March 18, 2026

Medicare for Early Retirees: Bridging the Gap Before 65

Retiring before 65? Learn your health coverage options — COBRA, ACA Marketplace, spouse plans, HSAs — and how to avoid costly Medicare enrollment mistakes.

Railroad Retirement and Medicare: A Full Guide for Railroad Employees

Discover how railroad employees become eligible for Medicare through the Railroad Retirement Board and the benefits they can access.

Medicare Costs in Retirement: What to Budget For in 2026

A complete guide to budgeting for Medicare costs in retirement, covering premiums, deductibles, and strategies to manage spending.

HSA Rules When You Enroll in Medicare

Understand how enrolling in Medicare changes your HSA contributions, how to spend existing HSA funds, and how to plan around turning 65.

Medicare and Taxes: What You Need to Know

Understand how Medicare premiums, IRMAA surcharges, HSAs, and medical expense deductions interact with your federal tax return.

How to Appeal Your IRMAA Surcharge After a Life-Changing Event

Learn how to request an IRMAA reduction from Social Security after retirement, divorce, or other qualifying life events using Form SSA-44.

IRMAA: A Guide to Medicare Income-Based Surcharges

Find out what IRMAA is, how income-based surcharges impact your Medicare premiums, and what steps you can take to lower them.

Medicare and Social Security: How They Work Together

Understand how Medicare and Social Security interact, from premium deductions to the hold harmless provision and strategies for coordinating benefits at 65.

This content is for educational purposes only and does not constitute a recommendation of any specific Medicare plan. Benefits, costs, and availability vary by plan and location. For complete information about your Medicare options, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227), TTY: 1-877-486-2048, available 24 hours a day, 7 days a week.