Right now I include in my current budget and future projections the insurance premiums for my previous employer medical, dental and vision insurance plus DW medicare Part B, deductibles for all, maximum out of pocket for all (as applicable), plus non-covered expenses for dental and vision. Present estimate is about $16k/year. As I project forward, I escalate these amounts for an assumed average inflation rate of 3% per year. I can adjust the projections as things change.
My situation: Disabled DW, two minor children at home. Have a High deductible retiree health plan with HSA, dental and vision plans. DW is on Medicare parts A and B. 9 years until I go on Medicare Parts A and B when retiree health plan becomes secondary and will cover as a supplemental plan.
I figure uncovered items will mostly be bounded by this barring massively huge uncovered events.
Hey, its a planning tool!