Retirement calculator
Healthcare Costs in Retirement
We total your expected healthcare spending from your current age through your planning horizon: premiums plus out-of-pocket costs, growing each year at a healthcare-inflation rate. The result is the lifetime figure — the number a retirement income plan needs to fund.
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Healthcare Costs in Retirement
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The method
How it works
01
Your first-year cost is your all-in monthly premiums × 12 plus your expected annual out-of-pocket spending.
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Each subsequent year, the whole amount grows by the healthcare-inflation assumption (default 5%) — healthcare costs have historically outpaced general inflation.
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The lifetime total is the sum of every year from your current age through the age you plan to.
04
The year-by-year curve is shown so the back-loaded shape of the cost is visible, not just the total.
yearCost(y) = (monthlyPremiums × 12 + annualOutOfPocket) × (1 + inflation)^y; lifetime = Σ yearCost(y) for y = 0 … (planToAge − currentAge − 1).
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