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Alight's 2026 retiree healthcare cost estimate

2026 retiree healthcare cost estimate

Alight's latest research shows that healthcare costs in retirement can range from approximately $55,000 to more than $420,000 over a lifetime, starting at age 65. Costs vary based on four key factors:

  • Medicare coverage selected
  • Geographic location
  • Health status
  • Retirement horizon/longevity

Why Medicare Coverage Choices Matter

Alight's research found that Medicare coverage decisions alone can result in differences of tens of thousands of dollars in lifetime healthcare spending. 


Alight Retiree Health Resources

Get Your Personalized Cost Estimate

Healthcare costs are highly individualized. That's why Alight created the Healthcare Cost Planner, a free online tool that estimates your future healthcare expenses based on your personal circumstances, including age, location, health status, prescription drug usage, and retirement horizon. 

Need Help Choosing Coverage?

The right Medicare coverage can have a significant impact on your retirement healthcare costs. Alight's licensed Medicare Benefit Advisors provide personalized guidance to help you compare options, evaluate costs, and make confident enrollment decisions.

For Employers

Learn how Alight Retiree Health Solutions helps organizations support retirees with Medicare guidance and personalized decision support.

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