Medicare guides for Californians
Written by situation, checked against primary sources (Medicare.gov, SSA, CMS, and the California Insurance Code), and dated so you know what you're reading is current.
Medicare Part B Premium 2027
What the 2027 premium is projected to be, when CMS announces the official number, and the 2026 baseline it builds on.
IRMAA: Medicare's Income Surcharges in 2026
The full 2026 income brackets for Part B and Part D surcharges, the two-year lookback that catches new retirees, and how to appeal with form SSA-44.
Medi-Cal vs. Medicare: What's the Difference?
They sound alike and Californians often say “Medical” for both, but they are different programs, and you can qualify for both at once.
COBRA and Medicare: The 8-Month Trap
COBRA doesn't count as employer coverage for Medicare. Miss the 8-month window and you're looking at a gap in coverage plus a lifetime penalty.
California's Medigap Birthday Rule
Once a year, California lets you switch Medigap policies with no health questions asked. Here's exactly how the window works.
Not sure which rules apply to you?
Three questions, two minutes, no sign-up. See the deadlines and California rules for your situation.