How is the Healthcare Costs in Retirement calculated?

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.

What data and assumptions does it use?

CMS annual premium announcements (the Part B premium in the defaults). Public-domain compound-growth arithmetic; the healthcare-inflation rate is an on-screen, tenant-configurable assumption.

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Healthcare Costs in Retirement

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Calibrate

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Your age

How old you are today (or the age the projection should start).

Plan to age

How long the projection should run — plan through this age.

Monthly premiums, all-in

Everything you pay monthly for coverage — the Part B premium (about $203) plus supplement or Advantage and drug-plan premiums.

Expected annual out-of-pocket

Deductibles, copays, dental, vision, hearing — what coverage doesn’t pay.

Healthcare inflation

Healthcare costs have historically grown faster than general inflation.

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What this means for you

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Your age
Plan to age
Monthly premiums, all-in
Expected annual out-of-pocket
Healthcare inflation

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How this is calculated →

This projection is an educational estimate, not financial or insurance advice, and not a prediction of your actual healthcare costs.
It compounds today's premiums and out-of-pocket spending at a single healthcare-inflation assumption shown with your results; actual premiums, benefits, and health needs change yearly, and long-term care is not included.
The 2026 Part B premium referenced in the defaults changes each year.
This tool is not affiliated with or endorsed by Medicare, CMS, or any government agency.