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.
What to explore next
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