如何帮助规划退休后的医疗保健
The average medical expenses in 退休 are often greater than many people realize, but planning ahead can help mitigate the unexpected.
How much do you think you'll spend on healthcare in 退休? 根据 Fidelity Investments’ 2022 Retiree 健康care Cost Estimate, many Americans believe a retiring couple will need around $41,000 but that's a vast underestimate of the average medical expenses in 退休. Per the estimate, a retiring couple will need around $315,000. 除了, a 65-year-old single man retiring now can expect to spend $150,000, and a 65-year-old single woman may need to plan on $165,000. 这些数字都很大, but the considerations below may help you plan for healthcare costs in 退休.
制定一个储蓄和预算策略
Just as t在这里 are many ways to help save for 退休 expenses, t在这里 are many ways to budget for healthcare expenses. 这就是为什么一个全面发展 退休储蓄 策略很重要. Money from a 401k, Individual 退休 Account (IRA), 健康 Savings Account (HSA), 年金, and traditional savings accounts offer ways to help pay for things from routine healthcare to more extensive needs. 除了, 而医疗pp王者电子官网可能会支付一些住院费用, you will generally need to account for deductibles, 保费, 自付费用及 补充pp王者电子官网. 在你准备退休之前, you may want to consult a financial advisor to help estimate future healthcare costs and discuss available savings tools.
考虑长期护理pp王者电子官网
根据 the most recent data from LongTermCare.政府, 近70%的退休人员需要长期护理 在某一时刻. 医疗pp王者电子官网 doesn't cover most of these costs, so you might consider 长期护理pp王者电子官网. Before you purchase a policy, research what it covers and how you can use it. In general, the younger you are when you purchase a policy, the lower the 保费.
Manage distributions to help maximize 医疗pp王者电子官网 保费
如果你有更多的退休收入, 你可能会有更多的纳税义务, and that has the potential to increase your 医疗pp王者电子官网 保费. You may want to consult with a tax planner at the beginning of each year to discuss how distributions and withdrawals from income or savings accounts will impact your overall finances (including healthcare costs in 退休).
如果可以的话，推迟退休
如果你在65岁之前退休, you'll have to pay out-of-pocket for an insurance plan until you're eligible for 医疗pp王者电子官网. If you're trying to balance limited 退休储蓄 with healthcare costs in 退休, you may consider deferring 退休 until age 65. As an added benefit, this also increases the Social 安全 benefits you can collect each year.
通过预防保健帮助保持健康
预防性护理可能会有所帮助 降低退休医疗费用.
- Visit the doctor for regular checkups, immunizations and any preventive screenings.
- 服用任何处方药物.
- 遵循健康的饮食和生活方式.
- 保持活跃和投入.
所有这些步骤可以帮助你享受 退休 你这么努力的工作.
