{"id":747,"date":"2026-07-24T09:02:22","date_gmt":"2026-07-24T09:02:22","guid":{"rendered":"https:\/\/www.vaultinsider.top\/?p=747"},"modified":"2026-07-24T09:02:22","modified_gmt":"2026-07-24T09:02:22","slug":"fidelity-says-retiree-healthcare-costs-hit-185500-in-2026-report","status":"publish","type":"post","link":"https:\/\/www.vaultinsider.top\/?p=747","title":{"rendered":"Fidelity says retiree healthcare costs hit $185,500 in 2026 report"},"content":{"rendered":"
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Dr. Peter A. Najjar discusses the impact of artificial intelligence on healthcare, specifically cancer detection.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n
Fidelity Investments released its 25th annual estimate of retiree healthcare costs, which revealed a significant jump from a year ago as medical care and related expenses become more expensive.<\/p>\n
The report estimated that a 65-year-old who retires in 2026 can expect to spend an average of $185,500 on healthcare and medical expenses throughout their retirement. That amount is an increase of 7.5% from last year amid rising healthcare prices, growth in the utilization of medical services and growing costs stemming from chronic conditions.<\/p>\n
“Financial planning for retirement is about more than reaching a savings target, especially as retirement itself continues to evolve,” said Shams Talib, head of Fidelity Workplace Consulting.<\/p>\n
“Whether Americans fully stop working, phase into their retirement, or pursue new ways to stay engaged, healthcare consistently remains one of the largest expenses they will face,” Talib added. “Providing a benchmark to consider can help them plan with purpose and more confidence.”<\/p>\n
POPULAR DRUGS ADDED TO MEDICARE PRICE NEGOTIATION PROGRAM: WHAT IT MEANS FOR AMERICANS<\/strong><\/p>\n
People who are retired or are planning for retirement should account for healthcare expenses not covered by Medicare in their planning.<\/span> (iStock)<\/span><\/p>\n<\/div>\n<\/div>\n
Fidelity’s report has been compiled each year since 2002 and yields an estimate designed as a benchmark for long-term planning around possible healthcare costs a retiree will incur despite standard Medicare coverage.<\/p>\n
The estimate assumes enrollment in Original Medicare (Parts A and B), as well as Medicare Part D \u2013 which includes premiums, copayments and out-of-pocket costs for medical care and prescription drugs throughout retirement. The figure doesn’t include potential long-term care expenses.<\/p>\n
Out of the total estimate of $185,500, Fidelity’s analysis finds that about 45% of that amount goes to monthly premiums for Medicare Part B and Part D.<\/p>\n
US SHOULDERS DISPROPORTIONATE COST OF NEW MEDICATIONS, REPORT FINDS<\/strong><\/p>\n
Medicare plans don’t cover all healthcare-related expenses, so retirees face some out-of-pocket costs.<\/span> (iStock)<\/span><\/p>\n<\/div>\n<\/div>\n
Another 48% go to covering other medical expenses under Medicare cost-sharing provisions \u2013 such as copayments, coinsurance, deductibles for things like hospital visits and outpatient services.<\/p>\n
That figure also includes other medical services that aren’t covered by Medicare plans, such as vision and hearing exams.<\/p>\n
The final 7% of the total comes from out-of-pocket expenses, like co-payments and amounts that aren’t covered by Medicare Part D and are out-of-pocket expenses for generic, branded or specialty drugs.<\/p>\n
OBAMACARE EXCHANGE FLAW EXPOSED AMERICANS TO UNEXPECTED HEALTH PLAN SWITCHES, WATCHDOG FINDS<\/strong><\/p>\n
Prescription drug costs can be a significant component of a retiree’s healthcare expenses.<\/span> (Getty Images)<\/span><\/p>\n<\/div>\n<\/div>\n
“Medicare is a critical part of retirement health coverage, but it does not eliminate every healthcare expense,” said Steve Betts, head of Fidelity Health.<\/p>\n
“This estimate helps illustrate why both pre-retirees and retirees alike will benefit from carefully considering out-of-pocket expenses and how they will pay for them as they build out their retirement income strategy,” Betts added.<\/p>\n
GET FOX BUSINESS ON THE GO BY CLICKING HERE<\/strong><\/p>\n<\/div>\n
Dr. Peter A. Najjar discusses … <\/p>\n","protected":false},"author":1,"featured_media":748,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[447,1051,1053,262,306,1052],"class_list":["post-747","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance-news","tag-costs","tag-fidelity","tag-healthcare","tag-hit","tag-report","tag-retiree"],"yoast_head":"\n
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