Retirement Risk
Healthcare is the #1 retirement risk.
Medicare covers ~80%. Medigap + Part D + HSA reserves close the rest. Plan in the 6-month enrollment window before underwriting tightens.
Core healthcare risk framework
- Original Medicare (A + B): Hospital + outpatient. ~80% coverage with deductibles.
- Medigap (Plan G): Closes the 20% gap. Freedom of provider. Best with travel.
- Medicare Advantage: Lower premium, network-restricted, often includes Part D.
- Part D: Prescription drug coverage. Penalty if delayed.
- HSA reserve: Triple-tax-advantaged. Pair with high-deductible plan pre-65.
Strategic priorities
- Enroll within the 6-month open window — underwriting tightens after.
- Compare Medigap vs Advantage based on travel, network, and chronic conditions.
- Build HSA reserve to $50k+ before retirement.
- Plan for long-term care separately (Medicare does NOT cover it).
Continue: Long-term care planning →