text:  We've got to cover our Medicare costs somehow. And so there is one thing that can cover our Medicare premiums, 529 plans. Those are going to be taxed a little bit differently in every state as far as your tax benefits go on the front end. You might get a tax credit or a tax deduction, or it could just be kind of operating like a Roth IRA for higher education purposes. And then you have cash value life insurance, which falls into that same area of the tax code as a Roth IRA.