Social Security and Medicare are heading toward insolvency. Congress has 6 years to act

[ad_1] <link rel="preload" as="image" imagesrcset="https://fortune.com/img-assets/wp-content/uploads/2026/06/GettyImages-2278908582-e1781139588609.jpg?format=webp&w=128&q=100 128w, https://fortune.com/img-assets/wp-content/uploads/2026/06/GettyImages-2278908582-e1781139588609.jpg?format=webp&w=256&q=100 256w, https://fortune.com/img-assets/wp-content/uploads/2026/06/GettyImages-2278908582-e1781139588609.jpg?format=webp&w=320&q=100 320w, https://fortune.com/img-assets/wp-content/uploads/2026/06/GettyImages-2278908582-e1781139588609.jpg?format=webp&w=384&q=100 384w, https://fortune.com/img-assets/wp-content/uploads/2026/06/GettyImages-2278908582-e1781139588609.jpg?format=webp&w=480&q=100 480w, https://fortune.com/img-assets/wp-content/uploads/2026/06/GettyImages-2278908582-e1781139588609.jpg?format=webp&w=576&q=100 576w, https://fortune.com/img-assets/wp-content/uploads/2026/06/GettyImages-2278908582-e1781139588609.jpg?format=webp&w=768&q=100 768w, https://fortune.com/img-assets/wp-content/uploads/2026/06/GettyImages-2278908582-e1781139588609.jpg?format=webp&w=1024&q=100 1024w, https://fortune.com/img-assets/wp-content/uploads/2026/06/GettyImages-2278908582-e1781139588609.jpg?format=webp&w=1280&q=100 1280w, https://fortune.com/img-assets/wp-content/uploads/2026/06/GettyImages-2278908582-e1781139588609.jpg?format=webp&w=1440&q=100 1440w" imagesizes="(max-width: 320px) 50vw, (max-width: 768px) 85vw, (max-width: 1024px) 50vw, (max-width: 1200px) 40vw, 33vw" fetchpriority="high"/> Social Security and Medicare are heading toward insolvency. Congress has 6 years to act | Fortune Steve Hanke is a Senior Contributing Columnist at Fortune, a professor of applied economics at The Johns Hopkins University, and a member of the Board of Directors at the Federal Fiscal Sustainability Foundation. He is the co-editor, with Barry W. Poulson and John Merrifield, of Public Debt Sustainability: International Perspectives (Lexington Books, 2022). David M. Walker is the former Comptroller General of the United States, the Chairman of the Board of Directors at the Federal Fiscal Sustainability Foundation, and a former Public Trustee for Social Security and Medicare.

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viewBox='0 0 300 200'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAQAAAC1HAwCAAAAC0lEQVR4nGNgYAAAAAMAASsJTYQAAAAASUVORK5CYII='/%3E%3C/svg%3E")" sizes="(max-width: 320px) 50vw, (max-width: 768px) 85vw, (max-width: 1024px) 50vw, (max-width: 1200px) 40vw, 33vw" srcset="https://fortune.com/img-assets/wp-content/uploads/2026/06/GettyImages-2278420358.jpg?format=webp&w=128&q=100 128w, https://fortune.com/img-assets/wp-content/uploads/2026/06/GettyImages-2278420358.jpg?format=webp&w=256&q=100 256w, 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src="https://fortune.com/img-assets/wp-content/uploads/2026/06/GettyImages-2278420358.jpg?format=webp&w=1440&q=100"/> 2 days ago <img alt="Analysts expected oil to surge above $200 but China has quietly kept prices half of that—and can’t for much longer" data-cy="article-card-image" loading="lazy" width="300" height="200" decoding="async" data-nimg="1" class="transition-opacity duration-300 aspect-[3/2] object-cover w-full h-full" style="color:transparent;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 300 200'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur 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A human can make 45" data-cy="article-card-image" loading="lazy" width="300" height="200" decoding="async" data-nimg="1" class="transition-opacity duration-300 aspect-[3/2] object-cover w-full h-full" style="color:transparent;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 300 200'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' 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