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cover of episode The Underestimated Cost of Healthcare in Retirement

The Underestimated Cost of Healthcare in Retirement

2025/6/16
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WSJ Your Money Briefing
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Gail Marks Jarvis
O
Oyin Adedoyin
Topics
Oyin Adedoyin: 作为主持人，我强调了退休后医疗保健成本可能被低估的问题，并指出居住地的选择会显著影响医疗费用。我认为，仅仅依靠传统的退休储蓄可能不足以覆盖所有潜在的医疗支出，特别是考虑到老年人可能面临的健康状况恶化和意外医疗需求。此外，我还关注到Medicare Part D的复杂性，以及它如何影响退休人员的药物费用。 Gail Marks Jarvis: 作为华尔街日报的撰稿人，我指出医疗成本是退休规划中的一个盲点，因为很难预测未来的健康状况。我认为，虽然平均水平的退休医疗花费可能在可控范围内，但如果出现特殊情况，如需要昂贵的药物或居住在医疗资源匮乏的地区，医疗费用可能会大幅增加。我建议人们在退休前提前规划，包括选择合适的药物保险计划，并在计划居住的社区找到医生。此外，我还强调了尽早开始储蓄的重要性，特别是要充分利用雇主提供的401k匹配计划，这可以为退休后的医疗支出提供重要的资金保障。

Deep Dive

Chapters
The episode discusses the unexpectedly high cost of healthcare in retirement, citing estimates that a couple might need over $600,000 instead of the projected $330,000. The discussion will explore these hidden medical costs and how to plan for them.
  • Average couple may need over $600,000 for healthcare in retirement.
  • Unexpected medical expenses significantly increase retirement costs.

Shownotes Transcript

As retirees get older, they could face additional costs including medication and doctors visits that could add tens of thousands of dollars to out-of-pocket expenses). Host Oyin Adedoyin talks with WSJ contributor Gail Marks Jarvis about how to prepare for unanticipated healthcare expenses in retirement.   

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