Come Along as I Make My Medicare Decision for 2027

It’s time for me to make my Medicare decision for 2027, and this year I decided not to simply let my current plan roll over without taking a closer look. I’ve been hearing a lot about the potential problems with Medicare Advantage, especially prior authorizations, provider networks, and those scary maximum out-of-pocket numbers. It made me wonder whether I should stay with Medicare Advantage or consider going back to Original Medicare with a Medigap plan. So I started doing the research. In this video, I’ll take you through the numbers I looked at, the Medigap options I considered, what those alternatives would actually cost me, and—most importantly—what my own Medicare Advantage plan has actually cost me during a year when I used quite a bit of healthcare. Seeing my real numbers changed the way I looked at this decision. This isn't about telling anyone else which type of Medicare coverage they should choose. Medicare is very personal. What works for me may not work for you. I'm simply sharing how I worked through my own decision for 2027. If you're reviewing your Medicare coverage this year, I'd love to hear what you're doing. Are you staying with what you have, switching Medicare Advantage plans, or considering Original Medicare and Medigap? 00:00 My Medicare Decision for 2027 02:06 Comparing My Medicare Options 04:06 What Would Medigap Cost Me? 05:02 High-Deductible Plan G 06:42 Why I Considered Plan N 08:46 The $7,150 Number That Worried Me 09:31 What My Healthcare Actually Cost 10:25 $50,000+ in Medical Bills vs. $839 13:44 The Risk of Waiting on Medigap 14:51 My Plan to Prepare for a Bad Medical Year 16:40 Every Medicare Choice Has Tradeoffs 17:21 My Decision for 2027 18:20 What I Learned From This 20:35 What Are You Doing for 2027? 👉 Read more about this here: https://retiredandtrying.com/medicare... Retired and Trying is a real life retirement education channel focused on living on Social Security, simple living after 60, downsizing, and finding stability on a fixed income. These videos share real experience — not hype — about what retirement actually looks like, including budgeting, living alone, reducing expenses, and learning to live within narrow margins. This channel is for retirees and soon-to-be retirees who want practical, realistic retirement guidance without pressure, sales tactics, or unrealistic promises. 🔹Money Reality Check https://retiredandtrying.com/products... 🤖 Ask the FREE Retired and Trying AI Companion your retirement questions: https://retiredandtrying.com/companion 🔹 If you'd like to receive The Trying Times every Saturday, you can sign up at https://retiredandtrying.com/newsletter. 🔹 Learn more: https://retiredandtrying.com 🔹 Quietly support the channel: https://buymeacoffee.com/retiredandtr... Or, if you prefer, use the Join button to become a Coffee Club member here on YouTube or click here:    / @retiredandtrying   🛒 Shop my Amazon Storefront for products I personally own, use, or recommend—including retirement, walking, travel, technology, and everyday favorites: https://amzn.to/4vXN2FG 📩 Business inquiries: don@retiredandtrying.com I partner with brands that align with real-life retirement, simple living, and practical finances. #Medicare #MedicareAdvantage #Retirement