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The 2027 Medicaid Trap: Why Eligible People Will Lose Health Coverage

The 2027 Medicaid Trap: Why Eligible People Will Lose Health Coverage

Could you remain completely eligible for Medicaid and still have your healthcare coverage terminated? In this interview, Robert Powell, CFP®, sits down with elder law attorney Harry Margolis, author of "Get Your Ducks in a Row," to unpack why sweeping procedural shifts—including new 80-hour monthly work mandates and six-month recertifications—threaten to kick eligible Americans off Medicaid rolls purely due to paperwork bottlenecks. Key Discussion Points: 00:00 - Introduction: The Medicaid Administrative Trap 01:10 - The 2 Big Shifts: Work Mandates & 6-Month Recertification 02:35 - The Exemption Problem: Proving Disability or Family Caregiving 04:00 - "Falling Through the Cracks": When State Agencies Get Overwhelmed 05:30 - Where to Find Help: Senior Centers & Disability Advocacy Groups 06:45 - The 2027 Timeline: Ages 19–64 & The 80-Hour Monthly Threshold 08:15 - Why Family Caregivers Are Hit Hardest CORE STRATEGIC TAKEAWAYS: • Procedural Disenrollment: Beneficiaries aren't losing coverage because their income is too high; they are being dropped because documents get lost or county offices fail to answer calls. • The Burden of Proof: Documenting informal work hours, caregiving for an elderly parent or sick child, or an invisible disability requires organized medical and financial paper trails. • Prepare Early: With federal mandates taking full effect by January 1, 2027 (and some states rolling out rules earlier), gathering records now is essential to surviving twice-yearly reviews. Subscribe to stay informed on retirement planning, elder law, Medicare, and public benefit strategies. #Medicaid #Healthcare #ElderLaw #RetirementPlanning #Caregiving #PublicBenefits #PersonalFinance #HealthInsurance

Can Medicaid Take Your House? (The Estate Recovery Trap Explained)

Can Medicaid Take Your House? (The Estate Recovery Trap Explained)

You are allowed to keep your primary residence while receiving Medicaid benefits for nursing home care, but what happens to the house after you die? In this interview, Robert Powell, CFP®, sits down with elder law attorney Harry Margolis, author of "Get Your Ducks in a Row," to unpack the reality of Medicaid estate recovery. They explain how states seek reimbursement for six-figure long-term care bills, what protections exist for surviving spouses, and which legal tools families can use to shield real estate before a claim is filed. Key Discussion Points: 00:00 - Introduction: The Medicaid Estate Recovery Trap 01:05 - What Is Medicaid Estate Recovery? (Medi-Cal, MassHealth, TennCare) 02:30 - Why the Home Is the Primary Target for State Claims 04:00 - The Surviving Spouse Dilemma: Delayed Claims vs. Full Protection 05:30 - How to Avoid Recovery: Life Estates, Lady Bird Deeds & Trusts 07:15 - What Heirs Need to Know About Hardship Waivers 08:45 - The Importance of Advance Planning With an Elder Law Specialist KEY TAKEAWAYS: • The Only Asset Left: Because Medicaid requires spending down countable assets to qualify, the exempt primary residence is usually the only property left for states to pursue when a recipient passes away. • Spousal Ambiguity: While a home passing to a surviving spouse is generally protected during their lifetime, the statutory delay of estate claims can create legal uncertainty down the road. • Probate Avoidance: Estate recovery typically attaches to assets passing through probate. Proactive strategies—such as life estates, irrevocable trusts, or Lady Bird deeds (in states that permit them)—can keep the property out of the probate estate. • Hardship Deadlines: If no advance planning was done, low-income or disabled heirs may qualify for state hardship waivers, but they must meet strict, time-sensitive filing deadlines. Subscribe to stay informed on retirement planning, elder law, Medicare, and wealth preservation strategies. #Medicaid #EstatePlanning #ElderLaw #RetirementPlanning #Inheritance #RealEstate #LongTermCare #PersonalFinance

The 2027 Medicare Cost Surge: What You Need To Know Now

The 2027 Medicare Cost Surge: What You Need To Know Now

Are you bracing for higher Medicare costs in 2027? Many seniors opening their Annual Notice of Change (ANOC) letters are finding double-digit rate hikes on Part D prescription drug plans and Medigap supplemental coverage. In this episode, Robert Powell, CFP®, sits down with Jae Oh, CFP®, author of "Maximize Your Medicare," to unpack why healthcare costs are surging and how you can protect your retirement budget during the Annual Enrollment Period. In this video, we cover: 00:00 - Introduction: The 2027 Medicare Rate Shock 01:12 - Why Part D & Medicare Advantage Premiums Are Surging (The $2,400 Cap) 03:00 - The Formulary Risk: Will Your Prescriptions Still Be Covered? 04:04 - The Expiration of the CMS Premium Stabilization Demonstration 05:22 - The "Preferred Pharmacy" Trap on Medicare Plan Finder 06:55 - Why Medigap (Plan G & Plan N) Premiums Are Rising 25%+ 07:48 - Can You Switch Medigap Plans? Medical Underwriting & The Birthday Rule 09:02 - Key Takeaways for Open Enrollment KEY INSIGHTS: • Part D Premiums: Plans that once cost $60/month are rising by 50% or more, while many $0 premium plans are disappearing entirely. • The IRA Effect: The Inflation Reduction Act caps out-of-pocket drug costs at $2,400 in 2027, forcing carriers to shift costs into upfront premiums and narrower drug formularies. • Medigap Medical Underwriting: Downgrading from Plan G to Plan N isn't automatic; in most states, you must pass medical underwriting unless your state has a "birthday rule". Subscribe to stay informed on decumulation strategies, Social Security, and retirement planning. #Medicare #PartD #Medigap #RetirementPlanning #OpenEnrollment #PersonalFinance #HealthcareCosts

Decoding Your Money (View all)

The Ultimate Year-End Tax & Wealth Planning Checklist with John Nerserian: DYM Ep13

The Ultimate Year-End Tax & Wealth Planning Checklist with John Nerserian: DYM Ep13

Year-end planning shouldn’t be a reactive scramble in the final days of December. By taking an intentional, checklist-driven approach across taxes, investments, retirement accounts, and estate planning, you can significantly reduce your lifetime tax bill and avoid costly missed opportunities. In this episode, host Bob Powell sits down with longtime friend and wealth planning expert John Nersesian, founder of Nersesian Wealth Education, to break down essential proactive strategies before the calendar flips. In this episode, we cover: Proactive Tax Bracket Management: Marginal rate awareness, bracket stuffing, and managing phase-outs under new tax laws (including SALT caps, Senior Deductions, and QBI). Smart Investment Moves: Tax-loss harvesting rules, navigating the 61-day wash sale window, stock option exercise timing, and the emotional discipline of portfolio rebalancing. Retirement Optimization: Maximizing 401(k) and IRA limits, traditional vs. Roth decisions, utilizing Health Savings Accounts (HSAs) as supplemental retirement vehicles, and executing strategic Roth conversions. Distribution & Program Rules: Mandatory RMD timing and penalty reductions, Social Security claiming coordination, and Medicare enrollment choices. Legacy & Philanthropy: Annual gift tax exclusions, 5-year front-loading for 529 plans, "bunching" charitable deductions to beat the standard deduction, and utilizing Qualified Charitable Distributions (QCDs).

How To Protect Your Kids From Scammers

How To Protect Your Kids From Scammers

In this clip from FinStream's Decoding Your Money Podcast, Nina and Professor Milligan discuss the significance of defining financial goals and the vital need for scam prevention, especially for children in today's digital world. Tune in for essential insights! #FinancialLiteracy #ScamPrevention

Are Your Kids Learning Money from You or TikTok?

Are Your Kids Learning Money from You or TikTok?

Learn how to teach kids about money: earning, spending, saving, investing, and avoiding scams through everyday conversations.

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