{"id":96,"date":"2026-10-15T09:00:00","date_gmt":"2026-10-15T09:00:00","guid":{"rendered":"https:\/\/www.wealthsmartadvisory.com\/blog\/?p=96"},"modified":"2026-10-15T09:00:00","modified_gmt":"2026-10-15T09:00:00","slug":"us-medicare-bills-need-monthly-planning","status":"publish","type":"post","link":"https:\/\/www.wealthsmartadvisory.com\/blog\/2026\/10\/15\/us-medicare-bills-need-monthly-planning\/","title":{"rendered":"US Medicare Bills Need Monthly Planning"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\" src=\"https:\/\/www.roomvu.com\/agent\/embed\/heinrich-edimo\/medicare-social-security-etfs-c461\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Medicare premiums are a recurring reality for retirees, and thoughtful planning is critical\u2014especially for high-income professionals and families who value predictability and control. By 2026, a standard-premium couple faces $405.80 in monthly Part B costs ($202.90 per person), often before Social Security benefits begin to provide relief. Structuring a portfolio with three strategic ETFs\u2014a dividend growth fund, a monthly income fund, and an ultra-short Treasury bill fund\u2014can help cover these obligations without relying on unpredictable share sales. For example, annual dividends from a high-yield equity fund (with roughly 250 shares) can cover a full year&#039;s premiums, while about 750 shares of a monthly income fund may meet monthly cash needs. The Treasury bill fund serves as a disciplined cash reserve, safeguarding 6\u201312 months of premiums to avoid forced equity sales during market downturns. Even with a projected 3% Social Security adjustment expected in 2027, the near-term challenge remains: Medicare funding requires engineered, reliable monthly income. At WealthSmart Advisory, I believe true wealth is designed, not left to chance\u2014and that includes building a resilient, tax-aware income plan for the years ahead.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Medicare premiums are a recurring reality for retirees, and thoughtful planning is critical\u2014especially for high-income professionals and families who value predictability and control. By 2026, a standard-premium couple faces $405.80 in monthly Part B costs ($202.90 per person), often before Social Security benefits begin to provide relief. Structuring a portfolio with three strategic ETFs\u2014a dividend [&hellip;]<\/p>\n","protected":false},"author":433,"featured_media":97,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-96","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/posts\/96","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/users\/433"}],"replies":[{"embeddable":true,"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/comments?post=96"}],"version-history":[{"count":1,"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/posts\/96\/revisions"}],"predecessor-version":[{"id":98,"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/posts\/96\/revisions\/98"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/media\/97"}],"wp:attachment":[{"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/media?parent=96"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/categories?post=96"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/tags?post=96"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}