The ACA subsidy cliff is back: for 2027 coverage, no premium tax credit above 400% FPL ($86,560 for a couple). The IRS tables, the math, and how early retirees manage MAGI.

Oct 11, 202616 min read

Retirement Planning

Medicare Open Enrollment 2026: Dates, What You Can Change, and How to Sign Up for Medicare

Medicare Open Enrollment runs October 15 to December 7, 2026, for 2027 coverage. What you can change, every other enrollment window, and how to sign up at 65.

Oct 11, 202617 min read

Retirement Planning

Medicare Part D 2027: Deductible, Out-of-Pocket Cap, Premiums and How to Pick a Plan

Medicare Part D in 2027: the deductible rises to $700 and the out-of-pocket cap to $2,400. Premiums, the late penalty, Extra Help and how to compare plans.

Oct 11, 202615 min read

Retirement Planning

Medigap vs Medicare Advantage: How to Choose for 2027 (and the Switching Trap)

Medigap vs Medicare Advantage for 2027: the new $9,850 MA out-of-pocket cap, the $3,050 high-deductible Plan G, Plan G vs N, and why switching back later is hard.

Oct 11, 202615 min read

Saving Strategies

Trump Accounts for Kids: The $1,000 Seed, the $5,000 Limit, and How Much They Could Grow

Trump accounts explained: who gets the $1,000 seed, the $5,000 yearly limit, auto-enrollment and claiming, taxes, withdrawals at 18, and how they compare with a 529.

Oct 11, 202616 min read

Debt Management

Average Credit Card Interest Rate: 21.19% APR, and 22.36% If You Carry a Balance

The average credit card APR was 21.19% in August 2026, and 22.36% on accounts paying interest (Federal Reserve). History since 2015, Fed rate link, and payoff math.

Oct 9, 202612 min read

See all articles