From The Retirement Nerds.
Choosing between Medicare Advantage and Medicare Supplement plans is one of the most important financial decisions retirees make.
We break down a recent study from Milliman that compares the lifetime costs of Medicare Advantage vs Medicare Supplement plans for someone retiring at age 65 in 2025.
The findings may surprise many retirees. The analysis looks at expected premiums, out-of-pocket costs, and total spending over the course of retirement to estimate the overall lifetime cost of each Medicare coverage option.
Download the Study Here:
https://theretirementnerds.com/wp-content/uploads/2026/03/2025-Milliman-Retiree-Health-Cost-Index.pdf
Download the 20-Year Worksheet to Play With Your Own Numbers Here:
Check out our resources at https://TheRetirementNerds.com/
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Erik@TheRetirementNerds.com
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⏰ TIME CODES ⏰
0:00 Study Introduction
1:32 Males vs Females
2:22 Savings vs Total Spend
3:18 Medigap vs Advantage
4:05 Cost Comparison Reality
6:25 Cost by Age Reality
8:28 Medigap Cost Increases Reality
9:53 Free Spreadsheet
10:55 Sandwich Preferences
11:54 Supplement Realities
12:53 Advantage Realities
14:08 The Incentives
19:40 Where to Get Help
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Federal Disclaimer:
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.