11-6-26 Healthcare Costs Are Rising: Are You Prepared?

Healthcare premiums are rising, Medicare choices are getting more complicated, and year-end financial planning decisions could have lasting consequences for your retirement. Are you making the right moves before 2027? Rich and Jonathan tackle the financial challenges facing retirees and working Americans, from choosing the right health insurance coverage and maximizing Health Savings Accounts (HSAs) to evaluating Roth conversions and avoiding costly employer healthcare plan mistakes. With the midterm elections behind us, they also examine how congressional gridlock could affect stock market performance, why data center and AI-related investments may face increased volatility, and what investors should consider as markets adjust to political uncertainty. Plus, a suburban Halloween recap, the Stoic Fiduciary, employer wellness incentives, Medicare Advantage versus Medigap, and why reviewing your family's medical expenses could reveal opportunities to save thousands over time. The takeaway: Don't automatically renew your healthcare coverage or overlook year-end tax planning opportunities. Compare premiums, deductibles, out-of-pocket expenses, and available benefits before making decisions that could affect your retirement savings. 0:00 - INTRO 0:20 - Rich & Jonathan's Suburban Halloween Recap 7:36 - Scary Elections & The Rock in the Water 12:39 - The Stoic Fiduciary 13:03 - What Happens in Congressional Gridlock 14:58 - Expect Volatility in all Data Center-related stocks 15:42 - It's Time for a Roth Conversion Conversation 17:25 - Market Performance Post-election: Gridlock is the Theme 18:20 - How to Handle Healthcare Premium Cost Increases 19:37 - High-deductible Insurance and HSA's 23:03 - The Biggest Mistake with Employer Healthcare Plans 25:22 - Comparing Plans & Premiums 26:35 - Medicare Advantage vs Medigap plans 28:35 - Putting HSA Funds in a Lock Box 29:26 - Employer Wellness Incentives 31:04 - Taking Stock of Past Year's Medical Expenses 32:18 - Blood Sucking & Cement 36:33 - Do Your Healthcare Homework ==== Hosted by RIA Advisors' w Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Check out our new & improved version of SimpleVisor: https://simplevisor.ai/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/-n06FP47n2I -------- Watch our previous show, "Is the Bond Market Warning of a Stock Crash?" https://youtube.com/live/n0hQ3Y3NnNA ------- * REGISTER for our next in-person event, "Retirement Blueprint: 12 Steps to a Financially Savvy & Secure Retirement," Saturday, November 7: https://realinvestmentadvice.com/resources/events/ ------- Articles Mentioned in Today's Show: "Oracle Sells Cheap Stock As Its Debt Window Narrows" hhttps://realinvestmentadvice.com/resources/blog/oracle-sells-cheap-stock-as-its-debt-window-narrows/ -------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #HealthcareCosts #RetirementPlanning #Medicare #HealthSavingsAccount #RothConversion