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October 30, 2025 • 13 mins

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Fidelity just released their 2025 Retiree Health Care Cost Estimate, and the number is staggering: $172,500 for a 65-year-old retiring today. The bigger problem? One in five Americans hasn’t even thought about health care costs in retirement. Ryan breaks down what this means, why it matters, and how to prepare before medical costs derail your plan. Health care is one of retirement’s biggest wildcards, but with the right strategy, you can make it just another budget item, not a financial shock.

Here’s what we discuss in this episode:

đź’Š The Inflation Effect: health costs have more than doubled since 2002

🏥 Medicare Myths: it’s not free and doesn’t cover everything

🧓 Gen X Wake-Up Call: 1 in 4 haven’t planned for health care costs

đź’° HSA Power: use the triple tax advantage to grow medical savings

🧠 Don’t Panic, Plan: turn the wildcard of health care into a checklist item

 

Fidelity Investments® Releases 2025 Retiree Health Care Cost Estimate:

https://newsroom.fidelity.com/pressreleases/fidelity-investments--releases-2025-retiree-health-care-cost-estimate--a-timely-reminder-for-all-gen/s/3c62e988-12e2-4dc8-afb4-f44b06c6d52e 

 

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