Costs went up and plans changed. Many Central Florida seniors are paying more than they need to simply because they never re-shopped.
The 2027 reality: The standard 2026 Part B premium is $202.90/month (up from $185) with a $283 deductible (CMS). CMS has not yet announced the 2027 amounts; the Medicare Trustees project another increase (about $209.50).
Billy reviews whether a Medicare Advantage plan with a Part B give-back, or a different Medigap plan, can offset the increase — and checks if you qualify for Medicare Savings Programs.
The 2027 reality: For 2027, the Part D out-of-pocket drug cap rises to $2,400 (from $2,100 in 2026) and plan deductibles can be up to $700 (from $615), per the CMS 2027 Rate Announcement.
We run your exact medication list against every plan available in your ZIP code so you land on the lowest total yearly cost — not just the lowest premium.
The 2027 reality: Plans can change networks, drug lists, and benefits every January. The Annual Enrollment Period for 2027 coverage runs Oct 15 – Dec 7, 2026; changes take effect Jan 1, 2027.
An annual side-by-side review confirms your doctors, hospitals, and pharmacies are still in-network before you’re locked in.
The 2027 reality: Your Initial Enrollment Period is the 7 months around your 65th birthday. Missing it can mean lifetime late penalties.
Billy walks you step by step through Parts A, B, C, D and Medigap, and builds a timeline so nothing is missed.
Florida has the largest ACA Marketplace in the country — and the rule changes carrying into 2027 hit Florida families hardest.
The 2027 reality: The enhanced premium tax credits expired on December 31, 2025, so most enrollees now receive smaller subsidies.
Billy compares every metal tier and carrier in your county and recalculates your subsidy so you see your true net cost.
The 2027 reality: The 400% of Federal Poverty Level “subsidy cliff” is back. For 2027 coverage that is about $63,840 for one person or $132,000 for a family of four — above it, there is no premium tax credit.
We review your estimated income (MAGI). Legitimate steps like pre-tax retirement or HSA contributions may bring you back under the cliff — always confirm with your tax professional.
The 2027 reality: Starting with the 2026 tax year, the cap on repaying excess advance tax credits was removed.
Billy helps you set a realistic income estimate and reminds you to update it mid-year if your income changes.
The 2027 reality: For 2027, the ACA out-of-pocket maximum rises to $12,000 per person ($24,000 per family), up from $10,600 / $21,200 in 2026.
If your income is under 250% FPL, a Silver plan with cost-sharing reductions can dramatically lower your deductible. We check if you qualify.
Most families don’t think about this until it’s urgent. A simple plan today prevents court delays, family conflict, and unnecessary costs.
The 2027 reality: Without a valid will or trust, the state decides how your property is distributed, usually through probate court.
Billy helps you identify which documents you need and connects you with the right next steps.
The 2027 reality: Without a Durable Power of Attorney and Healthcare Directive, families may need a court-appointed guardian.
We review your POA, healthcare surrogate, and living will so the people you trust can act for you.
The 2027 reality: A properly funded living trust and correct beneficiary designations can keep assets out of probate.
We review your accounts, home, and beneficiary designations to spot gaps before they become problems.
The 2027 reality: Long-term care costs can quickly drain savings that were meant for your family.
Because Billy handles both health coverage and planning, you get one coordinated conversation instead of three separate ones.
Figures are based on the latest published information for 2027 coverage (with 2026 amounts where 2027 figures are still pending) from CMS, Medicare.gov, and KFF. This page is for educational and informational purposes only and is not legal or tax advice. Plan availability and costs vary by ZIP code.
