Social Security retirement benefits
Q4 2032
OASI reserves are projected to run short in Q4 2032
78%
funded
Days
Hours
Mins
Secs
If Congress does nothing, ongoing payroll taxes would cover 78% of scheduled retirement benefits.
The legislation, agency rules, and trust-fund deadlines that decide your Social Security check and Medicare costs, watched in real time and translated into plain English.
Dates To Watch
These are not doomsday clocks. They are the dates when current law stops fully funding two promises retirees plan around.
Social Security retirement benefits
Q4 2032
OASI reserves are projected to run short in Q4 2032
78%
funded
Days
Hours
Mins
Secs
If Congress does nothing, ongoing payroll taxes would cover 78% of scheduled retirement benefits.
Medicare hospital coverage
Q2 2033
Medicare HI reserves are projected to run short in Q2 2033
89%
funded
Days
Hours
Mins
Secs
If Congress does nothing, ongoing Medicare Hospital Insurance income would cover 89% of scheduled benefits.
2026 at a glance
Before the next bill or rule lands, these are the figures that hit a 2026 household budget, a higher Medicare premium, the Social Security COLA, the drug-cost cap, and a larger wage base for payroll taxes.
Medicare Part B
$202.90
standard monthly premium for 2026
Part D drug cap
$2,100
covered-drug out-of-pocket ceiling
Social Security COLA
2.8%
benefit increase effective January 2026
Taxable wage base
$184,500
maximum earnings subject to Social Security tax
Congressional bill tracker
119th Congress · refreshed every 30 minutes
Social Security 2100 Act
A bill to amend the Internal Revenue Code of 1986 to apply inflation adjustments to the base amount and adjusted base amount for purposes of determining taxable social security benefits.
Strengthening Social Security Act of 2026
Social Security Guarantee Act of 2025
Social Security Expansion Act
Senior Citizens’ Freedom to Work Act of 2026
Social Security Caregiver Credit Act of 2026
Boosting Benefits and COLAs for Seniors Act
Social Security 2100 Act
Boosting Benefits and COLAs for Seniors Act
To amend title XVIII of the Social Security Act to require the Medicare & You handbook to provide information on the impacts of enrollment in the patient enrollment system of the Department of Veterans Affairs on Medicare premiums, and for other purposes.
Promoting Access to Diabetic Shoes Act
Protecting Patient Access to Cancer and Complex Therapies Act
Provider Reimbursement Stability Act of 2026
FAST Repairs for Wheelchairs Act
PREVENT ESRD Act
RESCUE Act of 2026
To amend title XVIII of the Social Security Act to provide for payment for services of radiologist assistants under the Medicare program, and for other purposes.
National Defense Authorization Act for Fiscal Year 2027
A bill to amend title XVIII of the Social Security Act to ensure stability for provider payments under the Medicare program.
Inside CMS & the SSA
Most of what changes your benefits never reaches a vote, it lands as an agency rule or an announcement. Here is the official record, newest first.
Medicare Seeks Public Yawns on Paperwork Burden Estimates
Medicare tweaks nursing home pay rates for 2027.
Psych ward payments get a boring FY2027 tweak
HHS Vows to Slash Its Own Red Tape in Assistance Overhaul
CMS Updates Endless Lists of Medical Code Shenanigans
HHS Shelves 21-Year-Old Foster Care Costs Rule Proposal
Gov't Data Matchup Guards ACA Coverage Eligibility
Social Security Announces Significant Improvements in the Supplemental Security Income Program
SSA’s 2026 SSI annual report says the agency has improved program administration by reducing improper payments, increasing accuracy, and speeding service for Supplemental Security Income recipients. The changes are mainly operational, including streamlined instructions, better call handling, expanded financial institution and payroll data matching, and tighter non-medical redeterminations.
Read the full release at SSASocial Security Administration Announces New Online Tools and Notices for Disability Claims
The Social Security Administration announced new online self-service tools for disability claims and appeals in my Social Security, including online submission of disability forms, a claim status tracker, secure access to proffer letters, and 26 additional disability-related notices in the Message Center. Claimants can also opt into email or text alerts, while paper notices will still be mailed. The release emphasizes faster communication and more efficient case processing for disability adjudication.
Read the full release at SSAAmending the Indirect Hold Harmless Threshold of Health Care-Related Taxes Proposed Rule (CMS-2452-P)
CMS proposed rule CMS-2452-P would implement section 71115 of Public Law 119-21 by creating new indirect hold harmless thresholds for state health care-related taxes, limiting new and increased provider taxes and adding reporting requirements for states. CMS says the rule could reduce federal Medicaid spending by $246 billion over 2026-2035. Comments are due on a date not specified in the document.
Read the full release at CMSManufacturer Effectuation of MFP Draft Guidance for 2028 Medicare Drug Price Negotiation
CMS issued draft guidance on how manufacturers must effectuate the Medicare Drug Price Negotiation Program maximum fair price (MFP) in 2028 for selected drugs covered under Medicare Part B and Part D. The guidance describes data flows, payment processes, and a 14-day prompt payment window, and it opens a 60-day public comment period.
Read the full release at CMSStrengthening Original Medicare
CMS blog post outlining its strategy to strengthen Original Medicare through payment reform, price transparency, interoperability, and increased accountability. It highlights CY 2027 policy proposals in the Physician Fee Schedule and OPPS, including a proposal for certain Accountable Care Organizations to reduce or eliminate cost sharing for some Part B services starting in April 2027. The post also references ongoing data collection, competitive bidding, and requests for comments on payment accuracy.
Read the full release at CMSCMS Modernizes Nursing Home Oversight with New Risk-Based Survey Approach Designed to Highlight High Performance, Encourage Improvement
CMS announced a risk-based nursing home survey approach that will streamline oversight for higher-performing facilities and focus more resources on homes with greater compliance risk. The change is intended to recognize strong performers while maintaining oversight of nursing homes that need improvement.
Read the full release at CMSCalendar Year (CY) 2027 Medicare Physician Fee Schedule Proposed Rule
CMS proposes CY 2027 Medicare Physician Fee Schedule changes effective on or after January 1, 2027. The rule would lower proposed conversion factors compared with CY 2026, adjust payments for same-day E/M visits and global procedures, revise the E/M complexity add-on into percentage-based modifiers, and tighten payment rules for remote monitoring services. Impacts are most direct for healthcare providers, with indirect effects on Medicare beneficiaries’ access, cost sharing, and care coordination.
Read the full release at CMSCalendar Year (CY) 2027 Medicare Physician Fee Schedule Proposed Rule (CMS-1848-P) — Medicare Shared Savings Program Proposals
CMS proposes CY 2027 Medicare Shared Savings Program changes aimed at strengthening ACO participation, rebalancing incentives between BASIC Level E and ENHANCED tracks, and improving benchmark methodology. The proposal could increase payments for some ACOs, especially those serving higher-risk or rural populations, while seeking savings for Medicare Trust Funds. Public comments are due by the close of the 60-day comment period.
Read the full release at CMSRun your own numbers
Estimate the lifetime benefit loss if the 22% OASI cut starts after Q4 2032.
Try itStress-test lifetime premiums if beneficiaries are asked to pay more of Medicare costs.
Try itEstimate your monthly benefit using the 2026 bend points and claiming-age rules.
Try itCompare claiming now with waiting until full retirement age or age 70.
Try itEstimate Part B, Part D, and IRMAA costs for 2026.
Try itSee how required distributions can affect taxes, income, and Medicare premiums.
Try itDeep guides
Plain-English explainers of what changed, why it matters, and what to watch next, no policy degree required.
Annual changes
Annual changes
Plan structure
Coverage basics
Adjacent retirement risk
Pension transition
Don't find out late
PRIA watches Congress, CMS, and the SSA around the clock and alerts you when a bill, rule, or deadline moves the math on your retirement.
On iPhone today. Android follows the same PRIA account model.