2027 COLA Looks Like $70. After Medicare You May Keep $54

Will the 2027 Social Security COLA actually raise what hits your bank account—or will Medicare take most of it?

#SocialSecurity #COLA2027 #Medicare #IRMAA #RetirementPlanning #SeniorWealthBluePrint

Early 2027 COLA estimates are in a 3.4% to 3.6% range after July inflation data. That is not official. SSA typically announces the official COLA on October 14, after September CPI-W is released. CMS usually confirms 2027 Medicare Part B premiums and IRMAA in November.

This chapter walks you through the net raise—not the headline percentage.

WHAT YOU WILL LEARN
• How the 2027 COLA is calculated (July–September CPI-W)
• Why a 3.4%–3.6% raise can look smaller after Part B
• Trustees vs private forecasts for the 2027 Part B premium
• Why your 2025 tax return can set 2027 IRMAA
• Why CPI-W does not match what many seniors actually buy
• Your fall checklist: October announcement, November premiums, Open Enrollment
• A one-page net-raise plan you can finish this week

IMPORTANT DATES
• August CPI: around September 11, 2026
• Official 2027 COLA: October 14, 2026 (typical)
• Medicare Open Enrollment: October 15 – December 7
• Official 2027 Part B / IRMAA: November 2026 (CMS)

CHAPTERS
00:00 Opening: The raise you see vs the raise you keep
00:45 What a COLA Actually Is?
06:38 Who Gets the COLA?
11:54 When the Surcharge Exceeds the Raise
14:16 The Measurement Gap
15:56 Housing, Insurance and Longevity
17:08 A 90 Day Window
20:14 One-page net-raise plan

EDUCATION ONLY
This video is general education for seniors and near-retirees. It is not tax, legal, or investment advice and not an official SSA or CMS announcement. Estimates change when new CPI data is released. Confirm figures on ssa.gov and medicare.gov.

If this video helped you:
• Like the video
• Subscribe and hit the bell
• Comment FIDUCIARY for the free PDF of this chapter
• Tell us your current monthly benefit (no personal ID) and we can talk through the net-raise math in the comments


Senior Wealth BluePrint
May your retirement be secure, joyful, and full of confidence.

2027 Social Security COLA, 2027 COLA estimate, Social Security raise 2027, Medicare Part B 2027, IRMAA 2027, Medicare premiums 2027, CPI-W COLA, Social Security vs Medicare, retirement planning seniors, Senior Wealth BluePrint, Open Enrollment 2026, SSA COLA October 14, MAGI IRMAA, net Social Security, working in retirement