Big Beautiful Bill - Tax & Healthcare Changes - Part 1

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⚠️ URGENT TIMELINE:
New tax rules effective January 1, 2025
Rural hospital funding cuts already starting
ACA subsidies expire soon
Open enrollment for Medicare Advantage: October 15-December 7th
Open enrollment for Medicare Supplement: ALL YEAR

🔥 Then, Coming in Part 2: Original Medicare's FIRST-EVER prior authorization requirement, which 6 states get hit first, and why PPO plans disappearing might actually save you money.

The Law:
https://www.irs.gov/newsroom/one-big-...

Social Security Administration Statement on New Senior Tax Deduction:
https://www.ssa.gov/news/press/releas...

Guide to IRMAA (What it is, How to Appeal, How to Avoid it):
https://SeniorSavingsNetwork.org/irmaa

Dr. Hayie’s Article on Facility Cuts Due to Medicaid Cuts:
  / activity-7347006040573362176-i4am  

Hospital Funding Concerns:
https://www.modernhealthcare.com/medi...

https://www.modernhealthcare.com/opin...

Impact on Under-65 “Affordable Care Act”:
https://www.npr.org/sections/shots-he...

https://www.healthsystemtracker.org/b...

Fraud in Affordable Care Act Enrollments:
https://www.kff.org/patient-consumer-...

KFF study on the effect of subsidies on ACA premiums:
https://www.kff.org/affordable-care-a...

Medicaid Funding Cuts Breakdown by KFF:
https://www.kff.org/medicaid/issue-br...

CMS Finds 2.8 Million Americans Potentially Enrolled in Two or More Medicaid/ACA Exchange Plans
https://www.cms.gov/newsroom/press-re...

New Prior Authorization in Original Medicare in New Jersey, Ohio, Oklahoma, Texas, Arizona, and Washington, beginning in 2026.
https://www.kiplinger.com/retirement/...

https://www.kiplinger.com/retirement/...

Travel Insurance - picks up where Medicare leaves off:
http://SeniorSavingsNetwork.org/travel

Wasteful and Inappropriate Service Reduction (WISeR) Model Information:
https://www.cms.gov/files/document/wi...

Artificial Intelligence Used to Deny Claim in Medicare Advantage:
https://youtube.com/live/P-UkwrVXVuA

𝐂𝐡𝐫𝐢𝐬, 𝐇𝐨𝐰 𝐃𝐨 𝐘𝐨𝐮 𝐆𝐞𝐭 𝐏𝐚𝐢𝐝?
http://HowDoYouGetPaid.com

Chapters:
0:00 $6,000 Tax Break—and a Medicare Trap?
0:30 Who I Am and Why This Matters
1:04 Understanding the Senior Bonus Deduction
1:45 What Happened to the “No Tax on Social Security” Promise?
2:32 Tax Bracket Changes—What’s Really Staying the Same?
2:55 Why the Tax Break Doesn’t Shield You from IRMAA
3:54 How IRMAA Penalties Really Work
4:50 Roth Conversion Strategy: Now You Have More Time
5:36 A Hidden Annuity Strategy Most Advisors Miss
5:57 Chapter Two: The “Permanent” Tax Cut Lie
6:32 Why Medicare Doesn’t Cover You When Traveling Abroad
7:31 Affordable Global Travel Coverage for Seniors
8:24 Chapter Three: Medicaid Cuts & the Rural Hospital Crisis
9:32 300+ Rural Hospitals at Risk of Closing
10:46 Medicaid Work Requirements—Who They Affect
11:36 The Ripple Effect on All Healthcare Costs
12:00 Real Stories from Virginia Rural Clinics
13:53 Long-Term Care Planning: Why It Matters Now
14:36 Medicaid’s Role in Nursing Homes Nationwide
15:10 What If States Can’t Make Up the Medicaid Cuts?
16:06 Medicare vs Medicaid for Long-Term Care
17:12 What Medicare Doesn’t Cover in Long-Term Care
18:06 Why Rural Hospital Funding Falls Short
18:41 Chapter Five: Bad News for Pre-Medicare Couples
19:15 Expiring ACA Subsidies Will Hurt Early Retirees
19:53 What Happens When ACA Subsidies Expire?
20:56 Fraud Crackdown Could Affect ACA Coverage
21:20 Cost-Sharing Reductions Only Work with Silver Plans
22:27 The Big Mistake of Picking the Wrong ACA Plan
22:34 Coming Soon: Prior Authorization for Original Medicare?
23:22 Why Medicare Advantage PPOs Are Disappearing
23:48 Part Two Is Coming—Here’s What’s Next
24:25 How to Get Help with Your Medicare Coverage
25:03 Even Bigfoot Doesn’t Brave Medicare Alone