{"podcast":{"title":"Retire With Style","slug":"retire-with-style-5225834","podcast_index_feed_id":5225834,"rss_url":"https://feed.podbean.com/retirewithstyle/feed.xml","website_url":"https://retirewithstyle.podbean.com","image_url":"https://pbcdn1.podbean.com/imglogo/image-logo/13684325/Retire_with_Style_Cover87fom.jpg","author":"Wade Pfau & Alex Murguia","episode_count":100,"summary":"The purpose of Retire With Style is to help you discover the retirement income plan that is right for you. The first step is to discover your retirement income personality. Your hosts Wade Pfau, PhD, CFA, RICP and Alex Murguia, PhD walk you through creating and implementing a retirement plan that will help you reach your goals, and that you’ll be able to stick with. Start by going to risaprofile.com/style and sign up to take the industry’s first financial personality tool for retirement planning.","last_synced_at":"2026-07-22T08:21:31.121809+00:00","page_url":"https://stenobird.com/podcast/retire-with-style-5225834"},"episode":{"title":"Episode 220: Why Your Health Insurance Stops Working at 65","slug":"episode-220-why-your-health-insurance-stops-working-at-65","published_at":"2026-03-17T18:48:36+00:00","page_url":"https://stenobird.com/podcast/retire-with-style-5225834/episode-220-why-your-health-insurance-stops-working-at-65","show_page_url":"https://stenobird.com/podcast/retire-with-style-5225834","url":"https://retirewithstyle.podbean.com/e/episode-220/","audio_url":"https://op3.dev/e/mcdn.podbean.com/mf/web/gq28u96jbbd23wca/Episode_220_Why_Your_Health_Insurance_Stops_Working_at_65619h9.mp3","summary":"In this episode of Retire With Style, Wade Pfau and Alex Murguia walk through what actually happens when you enroll in Medicare and where people tend to make costly mistakes. They break down the enrollment timeline, clarify how Medicare interacts with Social Security, and explain why failing to enroll can leave you unexpectedly exposed to major healthcare costs. The conversation also explores how Medicare decisions fit into broader retirement planning, including healthcare cost estimates, risk preferences, and the role of Health Savings Accounts (HSAs) in preparing for future expenses. Takeaways Medicare enrollment is not automatic if you delay Social Security, you must sign up yourself. At age 65, Medicare typically becomes your primary insurance, and other coverage may not be paid without it. Not enrolling in Medicare can leave you exposed to major out-of-pocket healthcare costs. Many types of coverage (COBRA, ACA plans, retiree insurance) do not count as primary after 65. A typical couple may need around $375,000 for healthcare in retirement (excluding long-term care). Medicare choices reflect your risk preference: pay more upfront for predictability or less with more uncertainty. Chapters 00:00 Introduction to Medicare and Health Insurance 09:39 Understanding the Medicare Enrollment Process 18:50 Financial Planning for Healthcare Costs Links 📣 Want a heads up for the next Retirement Income Challenge? Join the waitlist and be the first to know when registration opens for this FREE 4-day event hosted by Retirement Researcher. Visit retirewithstyle.com/RIC to learn more and save your spot. 📘 New Release: The Retirement Planning Guidebook (3rd Edition) Wade Pfau’s must-read Retirement Planning Guidebook just got even better. The 3rd Edition is now available and packed…","meta_description":"In this episode of Retire With Style, Wade Pfau and Alex Murguia walk through what actually happens when you enroll in Medicare and where people tend to m…","key_points":[],"chapters":[],"topics":[],"duration_seconds":1659,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/retire-with-style-5225834/episodes/episode-220-why-your-health-insurance-stops-working-at-65/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/retire-with-style-5225834/episode-220-why-your-health-insurance-stops-working-at-65.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}