Healthcare costs are one of the biggest sources of anxiety for people heading into retirement—and in this episode, I'm breaking down exactly what you need to know to prepare without panicking.

I dive deep into Medicare's alphabet soup (Parts A, B, C, and D), revealing the costly mistakes that can haunt you for life—like late enrollment penalties that never go away. I also introduce you to IRMAA, those income-related surcharges that can double or even triple your Medicare premiums based on a two-year lookback. If you're within five years of turning 65, this timing discussion is absolutely critical.

For my LGBTQ+ listeners, I address the unique dynamics we face: single retirees dealing with higher per-person costs, the reality of chosen family versus traditional caregiving structures, and the uneven access to employer benefits many of us have experienced throughout our careers. These factors make strategic healthcare planning even more essential for our community.

I'm also joined by Carly Roszkowski from AARP, who shares invaluable insights about older workers navigating today's challenging job market. We discuss how AI is transforming the job search process—both as a challenge and as a powerful tool—and what resources are available for those looking to work longer or return to the workforce.

This is part one of our healthcare series, and in the next episode, we'll tackle long term care coverage and other critical decisions you need to make. Don't miss it.

Remember: you can control the things you can control—and healthcare planning is definitely one of them.

Schedule your free financial consultation at TakePrideInRetirement.com or call 855-246-9211.

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Take Pride in Retirement is proud to be named one of the top Pride podcasts on the internet by FeedSpot. For more, go to https://blog.feedspot.com/pride_podcasts

About Take Pride in Retirement:
Take Pride in Retirement is a podcast dedicated to retirement planning solutions for the LGBTQ community. Host Matt McClure, a licensed fiduciary financial advisor, shares strategies to protect your hard-earned money while pursuing market-like growth.

Matt holds the RSSA® credential as a Registered Social Security Analyst®, helping clients optimize their Social Security filing strategies to potentially increase lifetime income. He’s also a Certified Annuity Specialist® (CAS®), a designation earned through a 135+ hour graduate-level program in fixed-rate and variable annuities from the Institute of Business & Finance.

Based in Georgia with his husband and two dogs, Matt spent over a decade in New York City, working with The Wall Street Journal Radio Network, NY1, and WCBS Newsradio 880. A career highlight includes reporting from the floor of the New York Stock Exchange.