What retirement health care will actually cost you.
One number, built from your own coverage and retirement age rather than a national average. It takes about two minutes.
Benchmarks: Fidelity's 2025 estimate of $172,500 in after-tax healthcare savings for one person retiring at 65; KFF's 2026 Medicare affordability facts reporting $6,459 average annual out-of-pocket health care spending for Medicare beneficiaries using 2023 data. The target is shown in estimated dollars at the selected retirement year and uses transparent planning adjustments for retirement age and modeled retirement years. It is not total lifetime spending, a premium quote, or an individualized projection.
How to read this number.
Most retirement plans treat health care as a single line item, which is how people end up surprised by it. The costs do not arrive evenly. Premiums are steady and predictable; out-of-pocket care is lumpy and tends to cluster in the last years of life.
If you retire before 65 the gap years usually dominate the whole estimate. Someone retiring at 55 can spend more across nine years of marketplace coverage than across the twenty-five Medicare years that follow, which is why the pre-Medicare premium field matters more than any other input on this page.
Where this leads