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Medicare Insights for Washington Residents

Short, clear articles for Washington residents approaching, turning, or already on Medicare. New posts a few times a month.

Categories: All Enrollment & Deadlines Plan Comparison Costs & Penalties Washington-Specific Medicare 101

Washington-Specific

Washington Has a New Income Tax: What Retirees Need to Know Before 2028

Washington enacted a 9.9% income tax on household income above $1 million, effective January 1, 2028. Most retirees are not affected. Who needs to pay attention, and the Roth conversion window before 2028.

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Washington-Specific

Social Security and Medicare Service Disruptions: What Washington Residents Need to Know

Federal staffing cuts at the SSA have changed how Medicare enrollment and direct deposit updates work. Your benefits are still being paid. What Pierce County and Western Washington residents need to do right now.

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Retirement Income Planning

Sequence of Returns Risk: What Washington Retirees Need to Know Before They Stop Working

Two retirees, same portfolio, same average return, end up $1.7 million apart. The order returns arrive in matters more than the average. What sequence of returns risk is and what protects against it.

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Washington-Specific

Do I Still Need Life Insurance After I Retire? What Washington Residents Need to Know

Your employer life insurance ends the day you retire. How to decide whether you still need coverage, who does and doesn't, and the pension timing mistake that cannot be undone.

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Washington-Specific

Washington State Estate Tax and Your Life Insurance: What Most Retirees Get Wrong

Washington's estate tax has a $3 million threshold and is not portable between spouses. What Western Washington retirees and pre-retirees need to know.

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Washington-Specific

Retiring From Washington State Government? Here's What PEBB Doesn't Tell You About Medicare.

Retiring from Washington state government? PEBB requires Medicare enrollment — and missing one deadline can cost you both coverages. Here's what to know in 2026.

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Washington-Specific

Retiring in Washington State: What the Numbers Actually Look Like

No state income tax, unique Medicare protections, and the first public long-term care program in the country. Here's what retiring in Washington actually looks like in 2026.

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Enrollment & Deadlines

How to Apply for Medicare in Washington State

Applying for Medicare in Washington takes 10 minutes online — but the decisions you make before and after enrolling matter far more. Here's the full picture.

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Washington-Specific

Your Medicare Advantage Plan Changed in 2026. Here's What Washington Residents Need to Know.

2.9 million people lost Medicare Advantage plans in 2026. Washington residents have options — but the window to act is time-limited. Here's what to know.

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Costs & Penalties

Washington Retirees Expected a Raise in January. Here's What Actually Happened.

The 2026 COLA gave Washington retirees $56 more a month. Medicare took $18 back before it hit their account. Here's the full picture — and what you can control.

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Washington-Specific

Are You Overpaying for Your Medicare Supplement in Washington?

Plan N premiums in Washington range from $170 to $250 a month — for identical coverage. Here's why prices vary and how Washington residents can switch and save.

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Costs & Penalties

Still Paying for COBRA After 65 in Washington? There's Something Worth Knowing.

Most Washington residents on COBRA at 65 are overpaying — and unknowingly building a permanent Medicare penalty. Here's what the comparison actually looks like.

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Costs & Penalties

The Medicare Premium Surcharge Most Washington Residents Don't Know About Until It's Too Late

If your income exceeded $109,000 in 2024, your 2026 Medicare premiums may include a surcharge you didn't plan for. Here's what IRMAA is, who it hits, and what Washington residents can do about it.

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Washington-Specific

Washington Just Changed How Original Medicare Works — And Most People Don't Know It Yet

Washington is one of 6 states where Original Medicare now requires prior authorization for select procedures. Here's what WISeR means for your care in 2026.

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Washington-Specific

WA Cares Fund and Long-Term Care in Washington: What the $36,500 Benefit Actually Covers

Washington starts paying WA Cares benefits July 1, 2026. Most residents think the $36,500 benefit covers them. Here's what it actually buys — and where the gap is.

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Plan Comparison

Plan G vs Plan N in Washington State: Which One Actually Makes More Sense?

Plan G isn't automatically the best plan. Here's how Plan G and Plan N really compare — and how to tell which one fits you.

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Washington-Specific

Can You Switch Medicare Supplement Plans Anytime in Washington?

One of the biggest myths in Medicare: that you're stuck with the supplement you picked. In Washington, you may have more options than you think.

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Costs & Penalties

Why Some Medicare Advantage Plans End Up Costing More Than You Think

Low premiums, extra benefits — but the real cost shows up when you actually use the plan. Here's where the surprise bills come from.

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Enrollment & Deadlines

Turning 65 in Washington? Here's the 7-Month Window You Can't Miss

Washington residents have a 7-month Initial Enrollment Period. Miss it, and the cost can follow you for life.

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Plan Comparison

Medicare Supplement vs. Medicare Advantage in Washington: How to Actually Decide

Not sure whether to choose Medicare Supplement or Medicare Advantage in Washington? Here's a clear decision framework based on your doctors, budget, and health situation.

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Costs & Penalties

Medicare Costs in Washington 2026: Part B, Supplements, Penalties and What to Expect

The real numbers most Washington residents pay each month — premiums, deductibles, and surprise add-ons.

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Enrollment & Deadlines

What Happens If You Miss Your Medicare Enrollment Window in Washington?

Missing your Medicare enrollment window isn't just an inconvenience — the penalty follows you for life. Here's what you need to know.

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Washington-Specific

Medicare and Still Working at 65: What Washington Residents Need to Know

Still working at 65 in Washington? Whether you can delay Medicare depends on one thing — your employer's size.

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Medicare 101

The 5 Biggest Medicare Mistakes Washington Retirees Make

These five Medicare mistakes show up over and over in Washington. Most are avoidable — but only if you know about them before you enroll.

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Washington-Specific

Does Medicare Cover Long-Term Care in Washington? What Most People Don't Know

Most Washington residents assume Medicare covers long-term care. It largely doesn't. Here's what your real options are.

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Plan Comparison

Comparing Medicare Plans in Washington State: Doctors, Drugs and Real Costs

Comparing Medicare plans in Washington doesn't have to be overwhelming. Here's a clear step-by-step approach.

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