Medicare Explained for Beginners 2027: Part A, B, C and D in Simple English

Turning 65 in 2027? Medicare isn't one plan — it's four parts (A, B, C, D) with different deadlines, costs, and lifetime penalties. This beginner-friendly guide explains each part in simple English: who's eligible, the 7-month enrollment window, the latest official costs (Part B $202.90/month, Part A hospital deductible $1,736), the Part B and Part D late penalties, what Original Medicare doesn't cover, and how to choose between Original Medicare and Medicare Advantage. Educational information only, based on official sources (medicare.gov, ssa.gov, cms.gov). Not financial, tax, legal, or medical advice. Medicare announces each year's Part A and B figures in the fall — 2027's are expected around November 2026 — so confirm current numbers at medicare.gov before enrolling. Chapters: 0:00 Turning 65 in 2027? Start Here 1:13 What Medicare Is & Who Gets It 2:50 The 7-Month Enrollment Window 4:16 Part A: Hospital Coverage 5:56 Part B: Medical Coverage 8:00 Part D: Drug Coverage 9:36 Part C: Medicare Advantage 11:26 What Medicare Doesn't Cover 12:57 What It Costs: Maria's Year 15:02 5 Mistakes That Cost Real Money 16:27 Recap & Your Checklist Subscribe for Social Security, Medicare, and retirement explained in simple English.