Coming up on 65 and like most Bogleheads I’m already researching options well ahead of signup. One thing I see is my (our) HSAs will have a healthy balance going into retirement so one thing I am looking at is going with a HDG medigap plan assuming that the yearly max deductible x2 will be handled by my tax free HSA money while the medigap premiums that cannot be paid with an HSA remain as low as possible outside of an Advantage plan.
Also since it is not like a true deductible because Medicare is stepping in to pay its 80% of approved expenses after the Part B deductible is met so I’m really paying 20% of expenses until I reach the relatively low HDG deductible and then my Part D drugs expenses each year. Growth on the HSAs should keep it somewhat ahead of the spending for the most part but I want to make sure we drain those down to 0 before D day to best utilize the tax free aspects of the accounts.
With Plan G/N premiums going up by double digits the last couple of years, it seems a better way to handle medical funding using the optimal bucket for that.
Sound reasonable?
F-
Also since it is not like a true deductible because Medicare is stepping in to pay its 80% of approved expenses after the Part B deductible is met so I’m really paying 20% of expenses until I reach the relatively low HDG deductible and then my Part D drugs expenses each year. Growth on the HSAs should keep it somewhat ahead of the spending for the most part but I want to make sure we drain those down to 0 before D day to best utilize the tax free aspects of the accounts.
With Plan G/N premiums going up by double digits the last couple of years, it seems a better way to handle medical funding using the optimal bucket for that.
Sound reasonable?
F-
Statistics: Posted by aainvestor — Fri May 08, 2026 12:02 pm — Replies 0 — Views 7
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