Healthcare Cost Estimator
The #1 fear for early retirees — modeled in detail. ACA premiums, Medicare costs, HSA strategy, and medical tourism savings.
Your Profile
35
45
$
Used for ACA subsidy calculation
1
Lifetime Total
$1.52M
Age 45 to 90
Pre-Medicare
$288K
Ages 45–64
Medicare Phase
$1.23M
Ages 65–90
Annual Healthcare Cost Over Time
The Medicare cliff at 65 typically reduces premiums but increases out-of-pocket costs
Medical Tourism Savings
JCI-accredited hospitals abroad can cut costs by 60–90% on major procedures
| Procedure | USA | India | Thailand | Mexico | Savings |
|---|---|---|---|---|---|
| Hip Replacement | $40K | $7K | $12K | $14K | ~$31K |
| Knee Replacement | $35K | $7K | $11K | $13K | ~$26K |
| Dental Implant (per tooth) | $5K | $900 | $2K | $2K | ~$1K |
| LASIK (both eyes) | $5K | $800 | $1K | $2K | ~$1K |
| Cardiac Bypass (CABG) | $130K | $10K | $25K | $30K | ~$118K |
| Spinal Fusion | $80K | $8K | $15K | $18K | ~$70K |
* Savings include estimated $2,500 travel cost. Prices are averages at JCI-accredited facilities.
Not financial advice. Healthcare cost estimates vary significantly by state, plan, health status, and future policy changes. Verify current premiums at HealthCare.gov or Medicare.gov. Terms · Methodology