Medicare Planning

Open Enrollment is upon us — the most important time of year to review clients’ healthcare coverage and ensure they’re protected going into 2026.

As this important season gets underway, we are pleased to announce the formation of Pinnacle Retirement Solutions, a comprehensive program aimed at helping advisors confidently address Medicare, Social Security, and healthcare decisions with their clients.

Pinnacle Retirement Solutions provides turnkey support for:

• Medicare & Under-65 Healthcare Planning
• Social Security Analysis
• Long- & Short-Term Care Strategies

Leading the new division is Virginia Barausky, National Director of Retirement and Risk Management at The Pinnacle Group. With over 20 years of experience, Virginia has acquired extensive expertise in the industry and earned several awards as a top sales professional.

In the new role, Virginia will serve as a trusted resource for advisors and their clients by guiding them through Medicare, healthcare, and Social Security enrollment—an area often overlooked in financial plans. Drawing upon her insights will help advisors demonstrate unexpected leadership on a critical retirement issue while protecting their clients from having to navigate unfamiliar insurance agents on their own.

Here’s what to know right now:

• Medicare Open Enrollment: October 15 – December 7, 2025.
  • Plans are changing, and some may even disappear. Encourage clients to read the fine print before they renew.
• ACA Health Insurance Enrollment: November 1 – December 15 for January 1 coverage; open enrollment runs through January 15, 2026.
  • Tax subsidies have expired, and premiums are expected to rise for many households.
• Action Step: Proactively reach out to clients now to compare costs, confirm network coverage, and avoid unpleasant surprises in 2026.

To get started fill out the form on this page.