For the nearly 50 million Americans on Medicare, the recent talk about the struggles and uncertainty the program is facing hit very close to home. And in this election year, Medicare has become a hot-button issue that has both sides of the aisle lobbing accusations to the other. Here are a few tips for voters to sort the wheat from the chafe when it comes to changes in Medicare – click to read the full article: “5 Things Voters Need to Know About Medicare.”

- Medicare is definitely headed toward insolvency. It’s a $550 billion dollar program, making it the third-highest government expense. With the rapid influx of baby boomers into the system, costs are simply skyrocketing. At its current growth rate, Medicare could easily bankrupt the US government, meaning something will need to change in order for that not to happen.

- Eligibility is expected to change, and costs will eventually go higher. Whether you agree with Obama’s or Romney’s take on this issue, the take-away is the same: out-of-pocket costs will likely be higher and the age of eligibility, 65, will likely rise.

-...And yet, nothing is likely to change this year. Despite all the “hoopla,” it’s highly doubtful Congress will take any steps to make changes to the program this year.