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Originally Posted by Vincenzo
It's only my DW and me, and budgeting $43k for health insurance may be too much, but I don't know.
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You are budgeting a doomsday number.
If you want to be pessimistic, that's fine, but try to be realistic. I'd say $12-15K in today's dollars would be a conservative amount to allow for health insurance. As a benchmark, DW and I (age 60 & 59) are paying combined about $8K for $5,000 deductible, and DW is in the state (TX) high risk pool.
Not sure how typical our numbers are, but they are real world examples and would call into question how reasonable your $43K might be.
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Numbers is hard...
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