{"id":3161,"date":"2024-10-03T16:08:05","date_gmt":"2024-10-03T20:08:05","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-us\/insightsthe-real-cost-of-health-care-in-retirement\/"},"modified":"2024-10-03T16:08:07","modified_gmt":"2024-10-03T20:08:07","slug":"the-real-cost-of-health-care-in-retirement","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/en-us\/insights\/the-real-cost-of-health-care-in-retirement","title":{"rendered":"The real cost of health care in retirement"},"content":{"rendered":"\n

It can be hard to think about what your health might look like as you age, but with health care costs climbing, it\u2019s critical to plan ahead.<\/p>\n\n\n\n

According to a report from RBC Wealth Management <\/a>, the projected lifetime cost of care for an average 65-year-old couple is $683,306\u2014and that doesn\u2019t factor in long-term care costs<\/a>, which could be upwards of $100,000 a year.<\/p>\n\n\n\n

Most Americans know medical care is expensive, with 80 percent of respondents to an RBC Wealth Management survey saying they are worried about how they\u2019ll pay for those costs in retirement. However, many aren\u2019t doing anything to calm their own fears. Just 56 percent of survey respondents said they\u2019ve factored the cost of care into their wealth plans, while half of those who have taken it into account feel as though they\u2019re underestimating the price tag.<\/p>\n\n\n\n

Indeed, they are. When asked how much they expect to spend on routine health care at age 65, respondents said about $2,700 a year, on average. In reality, the Bureau of Labor Statistics estimates at age 65, the annual spend on health care is close to $6,500 per person ($13,000 for a married couple).<\/p>\n\n\n\n

\u201cThese are out-of-pocket costs,\u201d says Griffin Geisler, a wealth strategist for RBC Wealth Management\u2013U.S. \u201cMedicare only covers certain expenses, which means people have to find other ways to fill that gap. The costs start to add up quickly.\u201d<\/p>\n\n\n\n

The rising costs of medical care<\/strong><\/h2>\n\n\n\n

One reason for the higher costs is inflation\u2014health care expenses rise faster than other costs\u2014which is why RBC Wealth Management uses a five percent inflation number for clients who are near or in retirement\u2014but it also has to do with people living longer and the need for more advanced treatments.<\/p>\n\n\n\n

\u201cThis increase in costs is largely due to greater demand driven by longevity and advances in treatment and technology,\u201d the report says. \u201cFor example, so-called maintenance procedures like joint replacement and cataract surgery are increasingly common, but carry significant price tags as they impact greater numbers of baby boomers.\u201d<\/p>\n\n\n\n

The report points out premiums, deductibles, copays and out-of-pocket costs are also climbing. Even when\u00a0Medicare coverage<\/a>\u00a0is factored in, by age 65 health care expenditures will likely account for 15 percent of an individual\u2019s overall spending.<\/p>\n\n\n\n

Clearly, health care is expensive, so why aren\u2019t more people planning for those costs?<\/p>\n\n\n\n

\u201cPart of it is denial,\u201d Geisler says. \u201cHealthy people don\u2019t want to think about what life will be like when they\u2019re older and not as healthy.\u201d<\/p>\n\n\n\n

\n

Evaluate your retirement income strategy<\/h4>\n\n\n\n

Are you on track for retirement? Take three minutes today to make sure you\u2019re ready when it comes time to retire.<\/p>\n\n\n\n

\nUse our Retirement Readiness Calculator
<\/i><\/div><\/a>\n<\/div>\n<\/div><\/div><\/div><\/section>\n\n\n\n

Start saving early<\/h2>\n\n\n\n

With costs only rising from here, it\u2019s crucial to plan ahead and start accounting for future medical expenses<\/a> in your overall wealth plan, just like you would a house or an annual vacation, says Angie O\u2019Leary, head of Wealth Planning at RBC Wealth Management\u2013U.S. Don\u2019t forget to include at least a five percent inflation rate in any calculations.<\/p>\n\n\n\n

Once you have a realistic view of how much you might spend<\/a> on health care per year, the next hurdle is figuring out how to pay for it. That\u2019s where your financial advisor can help.<\/p>\n\n\n\n

As with any kind of saving, your most valuable asset is time. The more money you can sock away early in your working years, the better off you\u2019ll be. This is especially true with health care, as costs rise exponentially with age. According to the report, a healthy couple between 65 and 74 spends about $13,000 a year on health care. That annual spend jumps to $23,000 between 75 and 84 and rises to $40,000 over the age of 85.<\/p>\n\n\n\n

\u201cYou might think that having $1 million in retirement will last a long time, but understand that you\u2019re going to have to spend a chunk of that on health care,\u201d O\u2019Leary says. \u201cIf you can get in front of it before you\u2019re retired, then you\u2019ll be able to do some catching up and adjust where you need to.\u201d<\/p>\n\n\n\n

Health care savings tools<\/strong><\/h2>\n\n\n\n

As the data shows, though, it\u2019s one thing to know health care is expensive and another to actually plan for those costs. Fortunately, there are a number of ways to save.<\/p>\n\n\n\n

Health Savings Accounts<\/a> (HSAs) are powerful tools to save for future health care expenses, and they come with a rare triple tax benefit: contributions are made on a pre-tax basis, investments can grow tax free and withdrawals for qualified health care expenses are also tax exempt.<\/p>\n\n\n\n

You can withdraw money from an HSA at any time, but real value comes when it is used as an investment vehicle for the future. In 2025, contribution limits are $4,300 a year for individuals and $8,550 for families (increasing to $4,400 for individuals and $8,750 for families in 2026), but the money carries over from year to year, and you can invest the assets so that the balance can grow into a significant reserve to fund future health care costs.<\/p>\n\n\n\n

Another option is to invest in a Roth 401(k). Contributions are taxed when money is initially deposited, but you can withdraw your money tax free in retirement. If you start saving early, the tax hit will be lower, and your dollars will be able to compound tax free for decades.<\/p>\n\n\n\n

\u201cPeople should maximize any kind of tax-efficient savings vehicle as much as possible,\u201d Geisler says.<\/p>\n\n\n\n

There are other options to consider, such as buying disability insurance and taking advantage of company-provided benefit packages<\/a>. Many employers are also offering wellness programs that address physical and emotional well-being, and in some cases offer incentives to promote healthy behavior changes.<\/p>\n\n\n\n

In retirement, health and wealth intersect, and taking steps today to bolster your physical and financial fitness will help you build a strong base for the future, Geisler says.<\/p>\n\n\n\n

Be ready to pivot<\/strong><\/h2>\n\n\n\n

Thanks to advances in medicine and technology, retirement can now span decades, and determining the cost of medical care over an increasingly longer span of time<\/a> can be a challenge.<\/p>\n\n\n\n

Remember that planning for the future is not a one-time event. Your needs will evolve over time, as will the health care landscape.<\/p>\n\n\n\n

As you age your health circumstances can change quickly, shifting priorities and objectives. This may mean adjusting your plan or changing course. By staying informed and revisiting your plan regularly, you can take control of your health care in retirement.<\/p>\n\n\n\n

Read more from our RBC Wealth Insights report <\/em>Taking control of health care in retirement<\/em><\/a>.<\/em><\/p>\n\n\n\n

This article was updated in October 2025.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Planning ahead can help take the sting out of future medical bills.<\/p>\n","protected":false},"author":22,"featured_media":8870,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"rbcwm_post_date":"","editor_notices":[],"rbc_url_alias":"","rbcwm_featured_desktop_image_position":"","rbcwm_featured_mobile_image_position":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[68],"tags":[202,315,316,314],"rbcwm_content_owner":[],"rbcwm_need":[462,463],"rbcwm_segment":[460],"rbcwm_solution":[465],"rbcwm_topic":[459],"rbcwm_channel":[],"rbcwm_format":[],"class_list":["post-3161","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health-care","tag-health-insurance","tag-healthcare","tag-healthcare-costs","tag-medical-expenses","rbcwm_need-live","rbcwm_need-protect","rbcwm_segment-individuals-and-families","rbcwm_solution-wealth-planning","rbcwm_topic-health-and-well-being"],"acf":{"rbcwm_subtitle":"Planning ahead can help take the sting out of future medical bills.","rbcwm_post_author":"","rbcwm_custom_breadcrumb_text":"","rbcwm_custom_breadcrumb_link_url":"","rbcwm_disclaimers":{"add_disclosures":"","perspective_disclaimer":"","expandable":"","omit_from_pages":"","disclaimer_footnote":"Investment and insurance products offered through RBC Wealth Management are not insured by the FDIC or any other federal government agency, are not deposits or other obligations of, or guaranteed by, a bank or any bank affiliate, and are subject to investment risks, including possible loss of the principal amount invested.<\/strong>\r\n\r\nNeither RBC Wealth Management, a division of RBC Capital Markets, LLC (\u201cRBC WM\u201d), nor its affiliates or employees provide legal, accounting or tax advice. All legal, accounting or tax decisions regarding your accounts and any transactions or investments entered into in relation to such accounts, should be made in consultation with your independent advisors. No information, including but not limited to written materials, provided by RBC WM or its affiliates or employees should be construed as legal, accounting or tax advice."},"rbcwm_insight_cta_id":[8484],"rbcwm_pagination":{"next_link":"","next_link_text":"","previous_link":"","previous_link_text":""},"rbcwm_video_duration":"","article_time":"","rbcwm_enable_toc":false,"rbcwm_toc_selector":"h2"},"yoast_head":"\nThe real cost of health care in retirement<\/title>\n<meta name=\"description\" content=\"Planning ahead can help take the sting out of future medical bills.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/insights\/the-real-cost-of-health-care-in-retirement\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The real cost of health 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