Open enrollment lands in October. Compute your 2027 baseline now with two numbers off your paystub, then check what your employer actually sends.
The 2027 Part D cap is $2,400, but reaching it takes $7,500 of retail drug cost, up $945 from 2026. The $700 deductible is a ceiling, not a bill.
The 400% cutoff for 2027 coverage is $63,840 for one person, $86,560 for a couple, $132,000 for a family of four. A dollar over and the credit is zero.
The $6,000 senior deduction saves a single 67-year-old $720 and a couple $1,440 in 2026. It is not "no tax on Social Security," and it phases out fast.
If box 3 of your 2025 W-2 tops $150,000, your 2026 catch-up must be Roth. That runs $1,920 in the 24% bracket and $3,600 at ages 60 to 63.