Out-Of-Pocket Health Care Costs For People Retiring In 2026 Estimated At $185,500, Up 7.5% From 2025

Out-of-pocket health care costs for a 65-year-old retiring in 2026 are estimated at an average of $185,500 throughout retirement, up 7.5% from $172,500 for a person retiring in 2025.

The estimate is based on a single person retiring at age 65 who does not have employer-provided retiree health coverage and is enrolled in Original Medicare Parts A and B and Medicare Part D. The costs include premiums, copayments, coinsurance, deductibles, prescription drug costs, and certain services not covered by Original Medicare. The $185,500 estimate does not include long-term care, most . . .