youbet
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
(Aside from IRMAA).
Hee.... hee....
Setting aside taxes might be fun, but it's not realistic. While some might say that DW and I are fortunate in having enough income to trigger IRMAA, we look at it as something we spend in lieu of a significant trip annually.
For folks whose income is just enough to trigger taxes such as IRMAA (our situation) or losing the ACA subsidy, HI expenses in retirement can be surprisingly intrusive bumped against alternative uses of the money!
If you have an extremely high income, you don't care. But at the trigger margins, ouch!
Also, regarding healthcare costs as you age, there are many issues to consider beyond insurance premiums, deductibles, co-pays and all that. We've found that age related health expense scenarios are creeping into our budget due to loss of "robustness." We now use a lawn service, fishing guides, auto mechanics, handyman services, etc., with much more frequency than a decade ago due to health and aging issues. We're also getting estimates for "stay in place" modifications to the house in anticipation of possible future age-related health issues. Then there's the cost of estate planning and all that.
There's a lot more to it when the statement "health related costs increase as you age" is made than just HI premiums, deductible, co-pays, etc.
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