https://community.aarp.org/t5/Medicare-Insurance/Is-the-wealth-cash-flow-problem-in-America-forcing-seniors-to/m-p/2670074#M13030 <P>Once a senior sees that the total annual cost of Plan HD-G premiums&nbsp; (around $495) plus the annual deductible (this year $2950) in my case exceeds the annual cost of Plan G's premiums (my actual announced $3270) plus the $283 annual Part B deductible and sees that in either the best case or worst case scenario, the HD-G plan would save the senior money, the only reason I can imagine for not choosing the HD-G plan is the seniior's lack of wealth or cash flow to support the irregular cash flows (but lower expense) of the HD-G plan.</P><P>Some have said that they fear being on HD-G in a future that they ima gine will bring higher medical expenses. That is simply illogical because the HD-G pays the same as G once the annual deductible is met. (And the deductibles actually paid are already included in the worst (or best) case scenarios described above.</P><P>Some have mentioned perceived fear of not meeting medical underwriting to get back to either G or N. To that I ask, "Why you ever want to return to G or N" after enrolling in HD-G?&nbsp; In coming years and for the rest of your life, the monthly premiums of either G or N are expected to ilancrease much more than HD-G.&nbsp;</P><P>So it must be a worry that you cannot afford to possible irregular cash flows associated with HD-G. May I suggest that before signing up for HD-G, you establish a separate FDIC-insured savings account to pay for your HD-G monthly premiums ($41 in my case) plus any deductibles that you might have. And if I were to establish a separate savings account to pay for a Plan G (for its monthly premiums of $3270 plus the Part B deductible), I would have to deposit a greater amount. So while the cash flows would be irregular, the cost of Plan G would , in my case for 2027, would be greater than the cost of HD-G.</P><P>&nbsp;</P><P>The figures above the 2027 premiums of a HD-G plan I have found from N.C. BCBS (for NC residents only) and the announced 2027 premiums of $270 for an AARP/UHC Plan G with spousal and new member discounts. I would bet with a high level of certainty that future G premiums will rise faster and more than HD-G premiums.&nbsp;</P> Mon, 11 May 2026 13:27:44 GMT jo85336578 2026-05-11T13:27:44Z https://community.aarp.org/t5/Medicare-Insurance/Is-the-wealth-cash-flow-problem-in-America-forcing-seniors-to/m-p/2670074#M13030 <P>Once a senior sees that the total annual cost of Plan HD-G premiums&nbsp; (around $495) plus the annual deductible (this year $2950) in my case exceeds the annual cost of Plan G's premiums (my actual announced $3270) plus the $283 annual Part B deductible and sees that in either the best case or worst case scenario, the HD-G plan would save the senior money, the only reason I can imagine for not choosing the HD-G plan is the seniior's lack of wealth or cash flow to support the irregular cash flows (but lower expense) of the HD-G plan.</P><P>Some have said that they fear being on HD-G in a future that they ima gine will bring higher medical expenses. That is simply illogical because the HD-G pays the same as G once the annual deductible is met. (And the deductibles actually paid are already included in the worst (or best) case scenarios described above.</P><P>Some have mentioned perceived fear of not meeting medical underwriting to get back to either G or N. To that I ask, "Why you ever want to return to G or N" after enrolling in HD-G?&nbsp; In coming years and for the rest of your life, the monthly premiums of either G or N are expected to ilancrease much more than HD-G.&nbsp;</P><P>So it must be a worry that you cannot afford to possible irregular cash flows associated with HD-G. May I suggest that before signing up for HD-G, you establish a separate FDIC-insured savings account to pay for your HD-G monthly premiums ($41 in my case) plus any deductibles that you might have. And if I were to establish a separate savings account to pay for a Plan G (for its monthly premiums of $3270 plus the Part B deductible), I would have to deposit a greater amount. So while the cash flows would be irregular, the cost of Plan G would , in my case for 2027, would be greater than the cost of HD-G.</P><P>&nbsp;</P><P>The figures above the 2027 premiums of a HD-G plan I have found from N.C. BCBS (for NC residents only) and the announced 2027 premiums of $270 for an AARP/UHC Plan G with spousal and new member discounts. I would bet with a high level of certainty that future G premiums will rise faster and more than HD-G premiums.&nbsp;</P> Mon, 11 May 2026 13:27:44 GMT https://community.aarp.org/t5/Medicare-Insurance/Is-the-wealth-cash-flow-problem-in-America-forcing-seniors-to/m-p/2670074#M13030 jo85336578 2026-05-11T13:27:44Z