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6 Feb 2026 · 1 min

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In this podcast excerpt, the hosts discuss recent changes in the employer market for retirement benefits targeting employees over age 65. They highlight the emergence of group Medicare Advantage plans as a major driver of change, noting that these plans often cost less in premiums due to substantial government subsidies. Unlike traditional Medicare Supplement (Med Supp) plans, group Medicare Advantage can bundle additional services—such as hearing, vision, dental coverage and gym memberships—without extra charges to the employer. The conversation underscores how these cost‑saving, value‑added offerings are making post‑65 benefits more relevant for employers seeking to support aging workers.

Chapters

What are some of the shifts you've seen maybe in the last two or three years, just in the employer market, where post 65 retirement benefits have probably even become more relevant than they were in the past?
I think with the emergence of group Medicare Advantage, that's kind of been a big push, and we've seen a big shift, again, because of the cost savings. They're getting a lot of subsidies from the government in order to provide these benefits, and it works a little bit different than a Medicare supplement program. But the group Medicare Advantage not only is going to be less, in most cases, premium wise, but it also includes a lot of the bells and whistles that Med Supp plans can't really add into without either having it be an extra cost on their plan, or they just don't have the ability to add those hearing, vision, dental, gym memberships, all that type of stuff.