For some people, meeting a $250 deductible, plus a new monthly premium, early in the year may be tough.

There has never been a new item in Medicare as big as this prescription drug program and its components.

They are really at risk because they are starting to have health problems.

One issue is, what are they going to cost and the other is, what is their quality of life going to be.

A folder is your best friend.

I call them the vanguard of the Baby Boomers. Looking at their experience shows that risk factors like obesity and hypertension are going in the wrong direction and things are being squeezed.

Things are getting better, but they're not getting better as fast as they used to be. It's not leveling off, but it's not increasing as rapidly as we like.

People who are dual eligible have the right to switch Part D plans every month without penalty.