One of the biggest concerns I hear from clients approaching Medicare is managing those monthly bills—especially before Social Security deposits kick in. For 2026, a standard-premium couple will need to budget $405.80 per month for Part B ($202.90 each), and it’s important to have a reliable plan in place so these payments don’t become a source of stress.
Some folks have found peace of mind by pairing a three-ETF sleeve that focuses on dividend growth, steady monthly distributions, and ultra-short Treasury bills. This strategy can help cover recurring premiums without the need to sell off investments during market downturns. For example, annual dividends from a high-yield equity fund could fully cover a year’s worth of premiums with around 250 shares, while a monthly income fund could take care of those bills with about 750 shares. Meanwhile, a Treasury-bill fund acts as a safety net, allowing couples to set aside 6–12 months of premiums so they aren’t forced to dip into equity funds if the market takes a dip.
Even with a projected 3% adjustment coming to Social Security in 2027, it’s wise to have a predictable, steady income stream to handle Medicare costs in the meantime. I always encourage thoughtful, proactive planning—because taking the confusion out of Medicare is what I’m here for.
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