John Robinson retired from the rail road at the age of 62 to help care for his aging parents. With a retirement income of about $1,500/mo he qualified for a state subsidized health plan through Connector Care. John was able to manage until at the age of 65 he fell off the “senior healthcare cliff.” John’s income did not change, but his healthcare premiums skyrocketed from $42/mo to $373/mo. To make ends meet, John was forced to cut back on even basic needs and relies on church dinners and food pantries to get by. Now at the age of 70, John has a monthly income of $1,633/mo and spends $430 on healthcare premiums alone. Medicare Savings Programs could reduce John’s monthly premiums by more than $300 per month!