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Ask Kerry: Readers weigh in on Medicare and more

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Many retirees can't afford to pay out of pocket around 20% of their doctor bills.

Medigap policies will cover all or most of what Medicare does not.

Medicare doesn't come with built-in caps on a variety of out-of-pocket costs, so you don't want to be enrolled in it if you don’t also have supplemental protection.

You can use your HSA to cover medical costs when you live outside the country as long as the expenses are qualified medical expenses under US law.

You might be docked a 1%-3% transaction fee if you are accessing your account with a credit card.

For people hitting their full retirement age in 2025 , the annual exempt amount is $ 62,160 .

She is a career and retirement strategist and the author of 14 books, including the forthcoming " Retirement Bites : A Gen X Guide to Securing Your Financial Future," " In Control at 50+: How to Succeed in the New World of Work " and " Never Too Old to Get Rich ." Follow her on Bluesky ..