How to help plan for healthcare in retirement

你认为退休后你会在医疗保健上花多少钱? According to 富达投资2022年退休人员医疗保健成本估算, 许多美国人认为一对退休夫妇大约需要41美元,但这大大低估了退休后的平均医疗费用. 据估计，一对退休夫妇将需要大约31.5万美元. In addition, 现在退休的65岁单身男性预计将花费150美元,000, 而65岁的单身女性可能需要计划165美元,000. Those are big numbers, 但下面的考虑可能会帮助你计划退休后的医疗费用.

Develop a savings and budget strategy

就像有很多方法可以为退休储蓄一样, 预算医疗费用的方法有很多. That's why a well-rounded retirement savings strategy is so important. 从401k，个人退休账户(IRA)，健康储蓄账户(HSA)， annuities, 传统的储蓄账户提供了各种方式来帮助支付从日常医疗保健到更广泛的需求. In addition, while Medicare may cover some hospitalizations, 你通常需要考虑免赔额, premiums, out-of-pocket expenses and supplemental insurance. Well before you're ready to retire, 您可能需要咨询财务顾问，以帮助估计未来的医疗保健费用，并讨论可用的储蓄工具.

Consider long-term care insurance

根据长期医疗的最新数据.gov, almost 70% of retirees need long-term care at some point. 医疗pp王者电子官网不包括这些费用，所以你可以考虑 long-term care insurance. 在购买pp王者电子官网之前，先研究一下pp王者电子官网的范围以及如何使用. 一般来说，你购买pp王者电子官网时年龄越小，保费越低.

管理分配，以帮助最大化医疗pp王者电子官网保费

If you have more retirement income, you'll probably have more tax liability, 这可能会增加你的医疗pp王者电子官网保费. 你可能需要在每年年初咨询税务规划师，讨论收入或储蓄账户的分配和提取将如何影响你的整体财务状况(包括退休后的医疗费用)。.

Delay retirement if you are able

If you retire before 65, 你必须自掏腰包购买pp王者电子官网，直到你符合资格 Medicare. 如果你想平衡有限的退休储蓄和退休后的医疗费用, 你可以考虑推迟到65岁退休. 作为一个额外的好处，这也增加了你每年可以领取的社会保障福利.

Help stay well with preventive care

Practicing preventive care may help lower your retirement healthcare costs.

• 定期去看医生，进行免疫接种和任何预防性筛查.
• Take any prescribed medicine.
• Follow a healthy diet and lifestyle.
• Stay active and engaged.

All these steps can help you enjoy the retirement that you worked so hard for.