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What you need to know before buying Health Insurance  

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Don't Let Health Care Costs Derail Your Retirement

The rising cost of health care is one of the greatest financial challenges faced by today's retirees. Prescription costs, insurance premiums, doctor's fees and hospital charges continue to rise at a faster rate than inflation. Regardless of whether you're already enjoying your retirement years or fast approaching them, you should take a serious look at the impact of health care costs on your retirement nest egg.

There are many causes behind our nation's exploding health care costs. People are living longer, which, while positive, means that our health care system is being stretched to handle the increasing load. New drugs and other treatments are continually being developed to address health care problems in new ways. Additionally, doctors are prescribing more preventive drugs than ever before.

Many retirees find themselves blindsided by changes to their company's retiree health plan. According to a 2006 Kaiser Family Foundation survey, just 35% of companies with more than 200 employees offer health benefits to retirees, down from 66% in 1998. What many people fail to realize is that companies are not required to offer health benefits to their retirees. To cut costs, many companies are reducing benefits, increasing premiums, or eliminating retiree health plans completely.

While you can't escape the rising cost of health care, you can certainly plan around it. In March 2007, Fidelity Investments reported that a 65-year-old couple would need approximately $215,000, a 7.5 percent increase over the previous year's estimate, to cover out-of-pocket medical costs after they stop working. Pre-retirees need to take a hard look at their plans to make sure they're saving enough to cover these costs.

If you are a few years away from retirement and blessed with good health, don't think you'll need to save less. Your health is likely to decline over time as you age. So don't make the mistake of basing your savings on your health status today.

Relying on savings alone isn't always practical. You need a back-up plan in place should your health care or other expenses take a sudden turn for the worst. Depending on the circumstances, you may need to adjust your investment strategy or reduce your other expenses, perhaps by changing your standard of living or selling your vacation home. Some seniors have found themselves reentering the workplace, either part-time or full-time to help pay for these unplanned expenses.

While researching Medicare Part D prescription plans can be frustrating, the savings can really add up.

The silver lining to all of this is that today's retirees are living longer, more productive lives. We may hate having to pay more each year for our health care, but it's the advances in medical research that are greatly increasing our quality of life. With proper planning, you can continue to afford what is arguably the greatest health care in the world.

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