The surface goal was Jim and Cheryl’s Medicare Advantage plan was going away January 1st and they wanted a new Medicare advantage plan. After a little fact finding, I found out Jim was diagnosed with prostate cancer at the end of November and wouldn’t start care for 3 weeks. Sheryl was concerned about the unknown cost and the potential of over $9000 out-of-pocket cost for the new year. This changed my thought process. Since their plan was going away, this allowed Jim a Guaranteed Issue to enroll into a Medicare Supplement plan. His overall premium for 2026 would be $2870 for a Plan F and ouf pocket medical cost $0.This reduced the overall out of pocket risk for the year. Sheryl is also extremely healthy so I recommended a $184.70 Part B Give Back plan. The insurance company will pay back Social Security $184.70/month for her Part B premium thereby increasing her income.  So far this year Jim is positively responding to treatments and they both are glad that they will not be going into debt and have the coverage that works for each of them.