Idaho woman struggling to care for 83-year-old mother, and Medicare's changes may push caregivers like her to the brink

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v=setInterval((function(){m()}),3e5);e.onDestroy((function(){clearInterval(v)})),o?l&&l.addEventListener("mouseenter",(function(){p(),null==n||n.show()})):c.addEventListener("mouseenter",(function(){p(),null==n||n.show()})),c.addEventListener("mouseleave",(function(){d(),null==n||n.hide()}))}e.addElementListener(i,"click",(function(){te("ybar","notification","",{elm:"btn",elmt:"block"===(null==s?void 0:s.style.display)?"newalert":"",subsec:"notification",itc:"1"})})),a&&Ae(e,a,"ybar","notification",{elm:"expand",subsec:"notifications",itc:"2"}),e.addElementListener(r,"focusin",(function(){i&&(i.checked=!0),null==r||r.classList.add("ybarMenuOpen")})),e.addElementListener(r,"focusout",d),e.addElementListener(t.tooltipContainer,"focusin",(function(){null==n||n.show()})),e.addElementListener(t.tooltipContainer,"focusout",(function(){null==n||n.hide()}));var y=e.getConfig().device,h=document.getElementById("ybar");h&&h.classList.contains("ybar-ytheme-crunch")&&(ao=0);var b=new RegExp("[?&]notifications=1(&|#|$)");"desktop"===y&&i&&b.test(window.location.search)&&(i.checked=!0)};ge("ybar-mod-notification",(function(e){var t={isUH3:"crunch"===e.getConfig().ytheme,notifContainer:document.getElementById("notification-container"),notifBadge:document.getElementById("notif-badge"),notifMenu:document.getElementById("ybarNotificationMenu"),notifMenuOpener:document.querySelector("#ybarNotificationMenu + label"),notifDropdown:document.getElementById("notifDropdownContainer"),tooltipContainer:document.querySelector(".".concat($n)),notifLabel:document.querySelector(".".concat(Xn))};t.notifDropdown&&so(e,t)}))}()}};]]>Emma Caplan-FisherTue, November 18, 2025 at 8:30 PM GMT+1 5 min readCarla Romagnano knows the weight of caregiving all too well. The Idaho resident is struggling to balance her full-time day job as a bookkeeper and hiring manager, with caring for her 83-year-old mother, also full-time, who has dementia.Thanks to Jeff Bezos, you can now become a landlord for as little as $100 — and no, you don't have to deal with tenants or fix freezers. Here's howDave Ramsey warns nearly 50% of Americans are making 1 big Social Security mistake — here’s what it is and 3 simple steps to fix it ASAPThe dual responsibility seems to have left Romagnano physically, emotionally and financially drained. She's already poured thousands from her own funds into her mother's care, and the situation is about to get worse, as her mother's long-term care insurance is nearly depleted.Without that coverage, Romagnano faces the daunting challenge of paying for part-time caregiving and medical expenses out of her own pocket."My mom always comes first, but I'm exhausted," Romagnano told Scripps News (1). "I'm constantly worried and wondering if I'm doing the right thing. I'm trying to do the best I can with the knowledge I have and am trying to stretch her money so she can enjoy life right now."She's not alone. The 63 million caregivers in America are quietly shouldering the financial burden of holes in the country's system for elderly care.And for the second consecutive year, major Medicare changes arriving next year threaten to widen those gaps considerably.With family caregivers already spending over $7,200 per year (26% of their income) on average out of their own pockets, according to AARP (2), many will be strongly impacted by these changes.“Caregivers are the invisible backbone of our broken long-term care system and economy, and too many are paying the price out of their own pockets, risking their own financial security by taking on more debt, using up savings, and leaving bills unpaid,” said Nancy LeaMond, AARP chief advocacy and engagement officer, in a statement last month.It was recently announced that the standard monthly premium for Medicare Part B, which covers things like physicians’ services, outpatient hospital services, certain home health services, and durable medical equipment and is automatically deducted from Social Security, is rising by $17.90 in 2026 to $202.90.USA Today reported it’s “the second largest dollar jump in program history behind 2022's $21.60 gain and almost 3.5 times the 2.8% Social Security raise for next year (3).”Terms and Privacy PolicyPrivacy & Cookie SettingsMore InfoS&P Futures6,752.00 +90.50 (+1.36%)Dow Futures46,523.00 +315.00 (+0.68%)Nasdaq Futures25,181.75 +460.00 (+1.86%)Russell 2000 Futures2,378.20 +23.30 (+0.99%)VIX23.66 -1.03 (-4.17%)Gold4,061.40 -21.40 (-0.52%)PortfolioSign in to access your portfolioSign inTop gainersNUVB Nuvation Bio Inc. 7.15 +2.35 (+48.96%)EXAS Exact Sciences Corporation 86.18 +16.50 (+23.68%)AMTM Amentum Holdings, Inc. 25.52 +3.73 (+17.12%)PACS PACS Group, Inc. 16.83 +2.40 (+16.63%)TMDX TransMedics Group, Inc. 133.47 +16.40 (+14.01%)Top losersWIX Wix.com Ltd. 101.70 -25.22 (-19.87%)DGNX Diginex Limited 13.46 -2.74 (-16.91%)QFIN Qfin Holdings, Inc. 19.23 -3.19 (-14.23%)ES Eversource Energy 65.26 -9.28 (-12.45%)POWL Powell Industries, Inc. 285.29 -36.10 (-11.23%)Most activePLUG Plug Power Inc. 1.9000 -0.2400 (-11.22%)NVDA NVIDIA Corporation 186.52 +5.16 (+2.85%)ONDS Ondas Holdings Inc. 7.50 -0.34 (-4.34%)OPEN Opendoor Technologies Inc. 6.69 -0.83 (-11.04%)ABEV Ambev S.A. 2.4700 -0.0600 (-2.37%)Earnings eventsMy earnings eventsEarnings eventsTrending tickersNVDA NVIDIA Corporation 186.52 +5.16 (+2.85%)AVGO Broadcom Inc. 354.42 +13.92 (+4.09%)ETH-USD Ethereum USD 3,187.77 -11.34 (-0.35%)CRWV CoreWeave, Inc. 74.92 +0.02 (+0.03%)GOOG Alphabet Inc. 292.99 +8.03 (+2.82%)Top economic events