Fidelity Investments Now Says You Can Expect to Spend Around $185,000 on Healthcare Expenses in Retirement. Here's How I'm Planning for It.

Incorporate healthcare costs into your postretirement budget.

Regularly review your Medicare plan to ensure you're receiving the most comprehensive coverage at the lowest cost.

Creating a healthcare "bucket" allows you to keep healthcare costs separate from everyday expenses.

Fidelity Investments routinely crunches the numbers to learn how much money a new retiree can expect to spend on healthcare costs in retirement. The latest finding comes in at a whopping $185,000.

As large as that number is, part of figuring out how much we need to retire involves making a list of our expected expenses, which makes it impossible to avoid healthcare. After years of avoidance, I finally stumbled on a plan that could make paying for healthcare in retirement a little easier.

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Fidelity's 2026 Retiree Healthcare Cost Estimate assumes a 65-year-old retiring and enrolling in Original Medicare (Parts A and B), plus Part D. It also includes:

The study did not include the cost of long-term care, or benefits like vision and hearing exams.