"Peak 65"

A Record Number of Americans Are Turning 65 in 2025—Here’s Why and What It Means​
In 2025, the United States is experiencing a demographic milestone known as "Peak 65," with a record 4.2 million Americans turning 65 this year. This translates to approximately 11,400 individuals reaching retirement age every day.

Why Is This Happening?
​The primary reason behind this unprecedented surge is the aging Baby Boomer generation-those born between 1946 and 1964. Following World War II, the U.S. experienced a significant increase in birth rates, leading to a large population cohort. The oldest Baby Boomers started turning 65 in 2011, and now, in 2025, we are reaching the peak of this generational transition.

Implications of Peak 65
​This demographic shift has major societal and economic consequences, including:

1. Increased Demand for Healthcare Services
With a larger aging population, Medicare and healthcare services are more important than ever. However, the U.S. faces a shortage of geriatric doctors, with only7,400 board-certified geriatricians- far fewer than the estimated30,000 needed by 2030.  

2. Financial Planning and Retirement Readiness 
As millions enter retirement, the need for financial planning, annuities and retirement-friendly investments has grown. Many retirees seek financial security through Medicare coverage, Social Security benefits, and private retirement plans.  

3. Social Security and Medicare Pressures
The rising number of retirees means more people relying on Social Security and Medicare, which requires careful planning to ensure these programs remain sustainable for future generations.

4. Workforce Shifts
As more Americans retire, certain industries may experience worker shortages. However, many individuals are also choosing to work past 65, influencing employment trends and healthcare needs.

How Gerard Insurance Services Helps You Navigate Medicare at 65
Turning 65 means it's time to make important decisions about Medicare enrollment- and Gerard Insurance Services is here to help! Our local, knowledgeable Medicare Agents guide you through the process to ensure you maximize your benefits and choose the right plan for your needs.

We Help You With:

• Medicare Enrollment Assistance – Avoid penalties and make the right choice between Original Medicare (Parts A & B),  Medicare Advantage (Part C), and Medicare Supplements (Medigap).
• Medicare Supplement & Advantage Plan Guidance – Find the right plan to reduce out-f-pocket costs and ensure comprehensive coverage.
• Medicare Part D (Prescription Drug Plans) – Get help selecting a drug plan that covers your medications at the lowest possible cost.
• Vision & Dental Coverage Options – Ensure you have full health coverage, not just for doctor visits but also for dental, vision, and hearing needs. 
• Ongoing Support & Local Expertise – As your trusted local Medicare Advisors,  we help you understand changes in Medicare plans, coverage options, and annual enrollment.

Don't navigate Medicare alone!
Let Gerard Insurance Services guide you through every step, ensuring you make informed decisions that fit your budget and lifestyle.

📞 Call us today to schedule a free Medicare consultation!



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