Health Costs
How the Part D Out-of-Pocket Cap Changes the Math on Expensive Prescriptions
An annual limit on drug spending took effect in 2025. For people on costly medications, it changes which plan is cheapest.
By Priya Anand
Section
Health Costs
Prescription prices, preventive care, long-term care and the out-of-pocket costs Medicare leaves behind.
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Medicare
Before Open Enrollment, Compare Plans on the Costs You’ll Actually Pay
Premiums are the easiest number to see. Deductibles, drug formularies and provider networks often matter more.
By Priya Anand
Social Security
Claiming at 62, 67 or 70: How the Social Security Timing Decision Actually Works
The age you start benefits permanently sets the size of your monthly check. Here is how the reductions and credits are calculated, and the questions worth answering before you file.
By Margaret Ellison
Retirement Income
Which Account to Tap First: The Withdrawal-Order Question
The conventional sequence of taxable, then tax-deferred, then Roth accounts is a starting point, not a rule.
By David Reyes
Social Security
What the Annual Cost-of-Living Adjustment Does, and Doesn’t, Cover
The yearly increase is tied to an inflation index built around workers’ spending. Retirees’ costs don’t always move the same way.
By Margaret Ellison
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