← Home | America First Series April 7, 2026
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Medicare & Social Security
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The President promised to always protect Medicare and Social Security at the State of the Union. A month later he said the federal government cannot afford them. Here is the documented record -- and what happens if he gets his wish.

"We will always protect Social Security and Medicare. We will always protect Social Security, Medicare, Medicaid."

-- President Donald Trump, State of the Union Address, February 25, 2026

"It's not possible for us to take care of day care, Medicaid, Medicare -- all these individual things. They can do it on a state basis. You can't do it on a federal. We have to take care of one thing: military protection."

-- President Donald Trump, White House Easter Luncheon, April 1, 2026 -- video posted briefly on YouTube by the White House before being made private

Those two statements were made by the same man 34 days apart. The first was delivered from the podium of the United States House of Representatives to a national television audience. The second was delivered at a private Easter luncheon at the White House -- and the only reason you know it exists is that the White House accidentally posted the video on YouTube before quietly taking it down.

Plain Citizen does not tell you what to think about that. But it does think you deserve to know both things were said, what the documented record shows about the promise, and what it would actually mean if the president got his wish and Medicare and Social Security became a state responsibility.

I am 79 years old. I am on Social Security and Medicare. I live in a 55-plus RV community in East Texas surrounded by people in the exact same situation. This is not abstract policy to me. It is my life. And it is yours too if you are reading this.

What the Record Shows About the Promise

The White House, when confronted with the Easter luncheon video, said the president was referring to rooting out fraud. You can decide whether that explanation matches what you heard him say. What Plain Citizen can document is what has actually happened to Medicare and Social Security since that State of the Union promise was made.

What the Documented Record Shows -- All Figures from CBO and CMS
$45B
Automatic cut to Medicare triggered in 2026 by the One Big Beautiful Bill Act -- confirmed by the nonpartisan Congressional Budget Office. The cut results from the law's addition to the federal deficit triggering the Statutory Pay-As-You-Go Act. Medicare payments are reduced by 4 percent across the board.
$536B
Total automatic Medicare cuts over nine years triggered by the same law, according to CBO. These are not proposed cuts. They are automatic and already in effect unless Congress acts to waive them -- which it has not done.
1M+
Seniors and people with disabilities estimated by CBO to lose access to Medicaid under the One Big Beautiful Bill -- and with it, access to long-term care, dental benefits, and vision care that Medicare does not cover.
2031
The year the Social Security trust fund is now projected to be exhausted, according to the Congressional Budget Office. After that point, payroll taxes alone would cover only about 80 percent of promised benefits -- meaning an automatic 20 percent cut to every Social Security check unless Congress acts.
2040
The year the Medicare Hospital Insurance Trust Fund is now projected to be exhausted -- 12 years sooner than projected just last year. That acceleration is directly attributed to the fiscal impact of the One Big Beautiful Bill.
300
Number of employees cut from the Centers for Medicare and Medicaid Services by DOGE -- the agency that administers Medicare and Medicaid for 140 million Americans. Separately, the Social Security Administration lost thousands of workers, creating backlogs in claims processing that are already affecting beneficiaries.

What He Said at the Easter Luncheon

The White House Easter luncheon on April 1st was a private event closed to the press. The president spoke for nearly an hour. The White House posted the video on YouTube -- then removed it. A reporter preserved it before it disappeared.

In the video the president told his guests that the federal government cannot afford Medicare and Medicaid and that states should take over both programs, raising their own taxes to pay for them. He described these programs -- which together cover 140 million Americans -- as "little things" and "little scams." He said the federal government has one job: military protection.

"We have to take care of one thing: military protection. We have to guard the country. But all these little things, all these little scams that have taken place -- you have to let states take care of them."

-- President Donald Trump, April 1, 2026

The White House said he was talking about fraud. Plain Citizen will note what he actually said and let you judge whether that explanation holds up.

What is documented is this: The same week the president called Medicare one of the "little things" the federal government cannot afford, the White House submitted a budget requesting $1.5 trillion for defense -- a 42 percent single-year increase -- to fund a war in Iran that a majority of Americans oppose.

What "States Take Over" Would Actually Mean

Medicare is a federal program by design. It exists specifically because states could not -- and would not -- provide consistent coverage to seniors on their own. Before Medicare was created in 1965, nearly half of all Americans over 65 had no health insurance at all. That is the history.

Here is what the math looks like if Medicare becomes a state responsibility today. The numbers below are drawn from documented federal spending data and marketplace insurance rates.

State-by-State Reality -- Federal Medicare Dependency
State
Medicare Enrollees
Federal Share of Medicaid
Texas
4.5 million seniors on Medicare
60% federal funded -- Texas pays 40%
Mississippi
700,000 seniors on Medicare
78% federal funded -- Mississippi pays 22%
California
7 million seniors on Medicare
50% federal funded -- California pays 50%
West Virginia
430,000 seniors on Medicare
75% federal funded -- West Virginia pays 25%

Mississippi, West Virginia, and the poorest states in the country receive the largest share of federal support precisely because they cannot afford to fund these programs themselves. If the federal government withdraws, those states face a simple and brutal choice: raise taxes dramatically or cut coverage. Neither is politically or financially realistic in states that are already budget-constrained.

The National Committee to Preserve Social Security and Medicare put it plainly: the states could not possibly run Medicare -- let alone afford it. Medicare is by definition a federal program available to all Americans equally. A senior in Mississippi and a senior in Connecticut receive the same coverage. That equality disappears the moment coverage becomes a state decision.

What Privatization Would Mean in Plain Numbers

If Medicare were eliminated and seniors were sent to the private market to buy their own coverage, here is what the documented numbers show they would pay. These figures come from ValuePenguin, KFF, and CMS marketplace data for 2026.

Private Insurance vs Medicare -- What Seniors Would Pay
$202.90
Monthly Medicare Part B premium in 2026 -- what most seniors pay now for outpatient coverage. Part A is free for anyone who has worked 40 quarters.
$1,766
Average monthly private insurance premium for a 64-year-old on the ACA marketplace in 2026 -- per ValuePenguin analysis of CMS data. That is $21,192 per year before deductibles, copays, or prescriptions.
$172,500
What a 65-year-old who retired in 2025 can expect to spend on health care throughout retirement -- per the 2025 Fidelity Retiree Health Care Cost Estimate. That figure assumes Medicare continues to exist.
$21,192
What that same senior would pay annually in private insurance premiums alone -- before a single doctor's visit, prescription, or hospital stay. The average Social Security benefit in 2026 is $1,976 per month -- or $23,712 per year. Private insurance would consume nearly the entire check.

The average Social Security benefit in 2026 is $1,976 per month. Private health insurance for a senior costs an average of $1,766 per month. That leaves $210 a month for housing, food, utilities, transportation, and everything else.

That is not a policy position. That is arithmetic.

The 2027 Budget -- The Pattern Continues

On April 3rd -- two days after telling his Easter luncheon guests that the federal government cannot afford Medicare -- the president submitted his 2027 budget proposal to Congress. It is worth reading carefully because the framing matters.

The budget does not propose cutting your Medicare check directly. It does not propose changing eligibility nationwide. If you read the White House summary you will find language about protecting Medicare as a mandatory program on autopilot.

Here is what it does propose.

The 2027 Budget -- What It Actually Proposes for HHS
$15.8B
Total proposed reduction to the Department of Health and Human Services in 2027 -- a 12.5% cut from 2026 levels. HHS is the department that oversees Medicare, Medicaid, the CDC, and the NIH. Source: Office of Management and Budget, April 3, 2026.
$1.4B
Proposed cut to the Centers for Medicare and Medicaid Services -- the specific agency that processes Medicare claims, audits providers, and monitors the quality of care you receive. Source: Missouri Hospital Association analysis of OMB budget.
$5B
Proposed cut to the National Institutes of Health -- the primary federal funder of medical research including cancer, heart disease, Alzheimer's, and the diseases that most affect seniors.
$3B
Proposed cut to the CDC -- the agency that tracks disease outbreaks, monitors public health threats, and runs the prevention programs that keep costs down across Medicare.

The distinction the White House draws -- that these are administrative cuts, not benefit cuts -- is technically accurate. Your Medicare card still works. Your check still arrives. But here is the practical reality that distinction obscures.

The Centers for Medicare and Medicaid Services is the agency that decides whether your claim gets paid, whether your provider is fraudulently billing you, and whether the nursing home your family member relies on meets federal standards. Cutting its budget by $1.4 billion while simultaneously cutting the workforce that runs it does not cut your benefit on paper. It cuts the machinery that delivers your benefit in practice.

Analysts across the political spectrum have flagged the same concern. Reducing HHS administrative capacity increases processing backlogs, reduces fraud detection, weakens quality monitoring, and pushes more operational responsibility onto states -- which brings us back to the "states should handle it" argument the president made at the Easter luncheon.

One important note Plain Citizen is obligated to give you: Congress blocked the administration's proposed HHS cuts last year. Lawmakers including Republicans restored NIH funding and averted cuts to the CDC and the overall HHS budget for 2026. A budget proposal is not a law. Congress has to pass it. Whether this Congress does so is a separate question -- but the direction the administration wants to go is documented.

Bottom Line -- No Spin

The president promised to always protect Social Security and Medicare at the State of the Union on February 25th. A month later, at a private luncheon the White House tried to keep off the record, he said the federal government cannot afford Medicare and Medicaid and that states should take over. Two days after that he submitted a budget proposing a $15.8 billion cut to HHS -- including a $1.4 billion cut to the agency that runs Medicare -- while requesting $1.5 trillion for defense.

The Congressional Budget Office -- nonpartisan, not a political organization -- has documented $45 billion in automatic Medicare cuts for 2026 and $536 billion over nine years, triggered by legislation the president signed. Over a million seniors are projected to lose Medicaid coverage. The Social Security trust fund is now projected to run dry by 2031.

Private insurance for a senior costs an average of $1,766 per month in 2026. The average Social Security check is $1,976 per month. If Medicare ends, the math does the rest.

The promise was made. The record is documented. What you conclude from it is entirely up to you.

A Personal Note

I paid into Social Security and Medicare for my entire working life. Every paycheck. Every year. The promise was that when I retired, those contributions would be there. I am 79 years old. I am collecting on that promise right now.

I am not writing this article because I am a partisan. I am unaffiliated. I have been a registered Republican and a registered Democrat at different points in my life. I have voted for presidents from both parties. I voted for Trump in 2016. I am writing this because I read the documents, I looked at the numbers, and I think the people sitting in my RV community in East Texas -- and in every retirement community, nursing home, and senior apartment building in this country -- deserve to know what the record actually shows.

Make up your own mind. That is all Plain Citizen asks.

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A Note From the Author

I'm not a journalist or a policy expert. I'm a retired American living in East Texas with my partner Lora in a 55+ RV community. After five years of full-time travel we have a home base now, but we still hit the road when the urge strikes. I use Claude AI as a research and writing partner to find and organize the documents. Every source cited here is real and publicly available. The conclusions are yours to make.

Sources
Office of Management and Budget, FY2027 President's Budget, April 3, 2026; Missouri Hospital Association, OMB FY2027 Budget analysis; Association of State and Territorial Health Officials, FY2027 budget analysis, April 2026; Becker's Hospital Review, "Trump budget targets $15.8B in HHS cuts: 9 things to know," April 2026; STAT News, "White House proposes 12% cut to federal health agencies in 2027 budget," April 2026; Chief Healthcare Executive, "Trump proposes cutting billions to health programs in 2027 budget," April 2026; MedTech Dive, "White House seeks 12% cut to HHS in 2027," April 2026; Congressional Budget Office, Medicare and Social Security trust fund projections, 2026; Centers for Medicare and Medicaid Services, 2026 Medicare Parts A and B premiums and deductibles fact sheet; Fortune, "Trump vows to protect Social Security, Medicare, Medicaid. But his tax cuts shortened their life span," February 24, 2026; NBC News, "Trump says it's not possible for the U.S. to pay for Medicaid, Medicare and day care," April 2, 2026; Fox News Live Now, "Trump says US can't fund Medicare, Medicaid and day care because we're fighting wars," April 2, 2026; CNN, "We're fighting wars. We can't take care of day care: Trump's ill-timed rant," April 2, 2026; National Committee to Preserve Social Security and Medicare, "Trump Throws Medicare, Medicaid Under the Bus for War in Iran," April 2026; ValuePenguin, "Average Health Insurance Rates by Age in 2026"; KFF Health Insurance Marketplace Calculator, 2026; Fidelity Investments, 2025 Retiree Health Care Cost Estimate; PBS NewsHour, Medicaid cuts analysis, May 2026; Social Security Administration, average benefit figures 2026. Research assistance provided by Claude AI (Anthropic).

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