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WASHINGTON — Barbara Weigand could not have prepared more for retirement. She stayed healthy and saved diligently for years.

This year, though, a shoulder surgery and a bladder cancer diagnosis have really tested her finances. She recently withdrew $4,000 from her retirement account to cover medical expenses associated with her cancer treatment.

“On my monthly income, I would not be able to afford my new medical expenses,” says Weigand, 83, who lives in North Canton, Ohio. She is currently on a Medicare Advantage plan and was searching for new coverage as Medicare’s open enrollment period began in October.

For older adults in the United States, the rising cost of healthcare is hitting where it hurts most — their pocketbooks. With Medicare costs, prescription drug prices and long-term care expenses weighing on household budgets, their concerns could carry significant political weight heading into Tuesday’s elections.

Weigand is part of a reliable voting bloc; 83% of voters over age 50 say they’re extremely motivated to vote in the midterms, according to an AARP poll conducted in early October. Their concerns over managing healthcare costs put the issue of affordability squarely in the spotlight.

Here are some of their biggest healthcare concerns — and how Weigand sees them.

Changes to Medicare plans

Open enrollment for Medicare plans began in mid-October, and enrollees are facing a slew of changes that will go into effect in 2027.

During the enrollment period, people are considering higher Part D out-of-pocket caps, the end of temporary federal Part D premium subsidies, and new drug price negotiations. Additionally, in some states, insurers put caps on the number of people who can enroll in Advantage plans, pulling out of markets or eliminating plans that people have come to rely on.

Juliette Cubanski, director of KFF’s program on Medicare policy, told the Associated Press that the open enrollment period offers enrollees “an opportunity to evaluate the coverage they have and see if there might be better options for them in terms of accessing the care that they need, at possibly a lower cost.”

Although Weigand is grateful to have the mental acuity to do the research and the spiritual community that she relies on, she worries about other older people who are struggling to plan for the year ahead. “There are so many changes, and a lot of people my age who don’t know where to start,” she says. “What do they do?”

The affordability of prescription drugs

The Trump administration says it has made a priority of lowering drug prices in its effort to show that it is addressing soaring costs. President Trump has struck multiple most-favored-nation drug deals with pharmaceutical companies and has launched the discount drug website TrumpRx, among other steps.

In September, his administration said all 50 states would join in on a program set to provide most-favored-nation pricing to some drugs within the Medicaid program, bringing the net price of selected drugs down to prices paid in certain other countries.

Still, the cost of prescription drugs prevents some people from filling prescriptions. A KFF survey from March found that about 4 in 10 U.S. adults say they have not taken their medication as prescribed in the last year due to costs.

Weigand is considering rationing her drugs to save money. “I’ve been thinking — if I could just do this every other day rather than every day to make the medicine last longer,” she says. “Isn’t that sad?“

The KFF report says about 1 in 5 people surveyed had cut pills in half or skipped doses of medicine in the prior year because of the cost.

The costs of long-term support

The costs of receiving long-term care — whether from spouses, home-care aides or friends — have risen steeply for retirees.

An AARP report released Wednesday that examines out-of-pocket caregiving expenses finds that family caregivers are spending nearly 60% more supporting a family member or friend than five years ago. They spend an average of $11,508 a year supporting a family member or friend, compared with $7,242 in 2021, according to the report.

Nancy LeaMond, AARP’s executive vice president and chief advocacy officer, said “we’re already hearing from our members about healthcare affordability — its prescription drug costs, caregiver costs, copays, premiums,” she said. “Not only are we trying to help family caregivers with their finances, but also to get them the kind of information they need to help their loved ones.”

These worries are top of mind for older people. About one-third of Americans over 50 provide regular care to an adult relative or friend with a health issue or disability, according to a national poll on healthy aging conducted in September 2025 by the University of Michigan.

The solvency of Social Security

The Social Security Administration announced last month that the annual cost-of-living adjustment for older adults and people with disabilities will rise by 3.6% beginning in 2027. That translates to $75 extra per month for the nearly 72 million people who receive monthly Social Security benefits and about 7.3 million beneficiaries who get Supplemental Security Income.

The agency faces an approaching bankruptcy date if a funding shortfall is not addressed by Congress.

The Social Security and Medicare trustees’ report from June states that Social Security’s combined trust funds, which cover old age and disability recipients, will be unable to pay full benefits beginning in 2034. After that, incoming revenue would cover about 83% of scheduled benefits.

With 2034 not far away, the upcoming Congress will be faced with determining how to shore up the program.

Matt Hogan, a partner at the polling firm Impact Research, has this advice to candidates in the closing days of the midterm campaign: “Regardless of party, to make inroads with these voters, Social Security and Medicare should definitely be part of their messaging.”

Hussein writes for the Associated Press.

One is Catholic, the other Jewish. One was a star linebacker for a private high school, Loyola, the other a star receiver for a public high school, Newbury Park. Both wear the same jersey number at UCLA, No. 20.

Scott Taylor and Shane Rosenthal became roommates last year and based on their many smiles, witty comeback lines and football success, it’s clear they’ve become best friends and best teammates.

“It’s cool,” Rosenthal said.

“We just get along really well,” Taylor said.

They share an apartment with two other UCLA players, punter Lennox Miller and defensive back Kuron Jabari.

Whatever initial concerns or perceived stereotypes they may have had quickly vanished after learning about their similar upbringings, goals and expectations to be good students and good people.

“I hosted him on his official visit,” Taylor said. “Hosted him for dinner, took him to Westwood. We have a lot of the same priorities, doing the right things, eating the right food, going to bed at the right time. Little things.”

Said Rosenthal: “We’re on the same timing for everything. He plays defense. I play offense. We’re able to watch film together, talk about football, talk about what he sees from the defense, talk about what I see from the offense and how we go at each other in practice.”

Taylor, a 6-foot-4, 241-pound sophomore who’s never seen a steak he didn’t want to eat, “is a damn good cook,” said his grandfather, Bill Thomason, a former Loyola principal and basketball coach. Thomason once bought his grandson Omaha Steaks as a birthday gift.

“They were so good,” Taylor said.

He sometimes drives home on Sundays to cook steaks for family members. And he eats them, too.

In the competition for who cleans the room the best, Rosenthal wins in a landslide.

“He might be the cleanest guy in the country,” Taylor said. “He might be an All-American cleaner.”

Said Rosenthal: “I definitely feel like I’m the cleanest guy in the apartment.”

As for washing clothes, both said there are no irons in sight. They learned how to do laundry at home but it appears parents are always welcome to help.

Taylor is dating a girl who’s Jewish but Rosenthal gets no credit as a matchmaker since they’ve been seeing each other well before Rosenthal arrived. “There’s usually two Jews in the apartment,” Rosenthal said.

Taylor has become a key pass rusher for the 4-0 Bruins going into Saturday’s game against Oregon. Rosenthal, also a sophomore, has received playing time as a gunner on punts while being a backup receiver. He’s the state-record holder in high school football with 24 career interceptions, so tackling on special teams is something he does well while waiting for the opportunity to show his receiving skills.

Taylor has used weight training to build up his body and give himself an NFL-like stature. It started back during the pandemic when he was 13. He decided to walk down the street to the local fitness center that was allowing kids to use the equipment for free — as long as they were 15. Somehow, he convinced them he was 15. When the business started charging him, he got his mom’s credit card, became a paid member and the rest is history. He has the talent to be on par with former UCLA linebacker Carson Schwesinger.

He also possesses the ability to comfortably talk in public. He was the only UCLA player chosen to answer questions from the media after Bob Chesney was introduced as head coach last December. On Tuesday, Taylor welcomed a group of middle school students touring Spaulding Field with high-fives and fist-pumps.

Taylor remembers his first impression of Chesney addressing the team.

“He’s a great communicator to you guys,” Taylor said of Chesney. “He’s also a great communicator to us. Everything’s crystal clear about what we’re supposed to do, what our role is since Day 1. He showed up and said, ‘If you guys choose to stay here’ and … this is before the portal even opened. ‘If you guys choose to stay here, we’re gonna do something special, so if you choose to stay, be ready to work, be ready to compete.’”

Taylor said the foundation of strong relationships within the team is important.

“It’s really special the connection we have,” he said. “And I think that speaks to who we are as a team because it’s really easy to play hard for each other when we’re so close off the field.”

If Chesney ever decides to host a team barbecue, Taylor is ready to lend his steak-cooking skills, with Rosenthal at his side.