White Papers

2019 Retirement Healthcare Costs Brief


For several years, HealthView Services composed its annual Retirement Healthcare Costs Data Report: a comprehensive paper complete with short- and long-term cost projections and detailed case studies. This year, through expanded research, the firm has shifted its institutional focus to also include pre-retirement healthcare cost projections. However, we understand that our followers appreciate and rely [...]

Medicare Surcharges: The Impact of Indexing IRMAA Brackets


On January 1, 2020, Medicare surcharges will undergo a significant change to their calculation. For the first time in a decade, the brackets used to determine IRMAA sucharges will be indexed to the CPI-U. This legislation will have a number of consequences for current and future retirees, including an anticipated reduction in the number of [...]

Health in Retirement Planning


As Americans face growing retirement challenges, the complications and concerns stemming from healthcare funding are made only more difficult. Throughout this paper, seven unique examples of integrating healthcare into retirement planning are shown, highlighting critical considerations and potential roadblocks that can be mitigated with proper planning. Data relating to healthcare cost inflation, longevity, and [...]

Building Wealth Through Wellness


Americans are anxious about rising healthcare costs. In Nationwide’s “Healthcare Costs in Retirement Survey,” (of 1,316 U.S. adults aged 50 or older) 74% admit that one of their top fears is out-of-control healthcare costs, and 64% are terrified of what healthcare costs may do to their retirement plans (up from 57% in 2015). Read More

2017 Retirement Health Care Costs Data Report


HealthView Services’ 2017 Retirement Health Care Costs Data Report shows retiree health care expenses will rise at an average annual rate of 5.47% for the foreseeable future – almost triple the U.S. inflation rate from 2012-2016 (1.9%)1 and more than double annual projected Social Security cost-of-living adjustments (COLAs – 2.6%). As this Report details, the [...]

The High Cost of Living Longer: Women & Retirement Health Care


Women face a unique set of challenges when it comes to planning for retirement. Increased longevity, lifetime income disparities, inadequate retirement savings, lower average Social Security disbursements (compared to men), rising divorce rates for those over 50,1 the potential death of a spouse (who would often handle financial planning), and dwindling employment opportunities later in [...]

Retirement Health Care Costs and Income Replacement Ratios


Financial advisors, plan sponsors, and millions of investors rely on income replacement ratios (IRRs) – a percentage of pre-retirement income – to estimate how much will be needed to maintain desired lifestyles in retirement. IRRs have provided advisors with a streamlined, top-down approach for assessing a client’s retirement readiness without having to calculate and project [...]



HealthView Services’ 2015 Retirement Health Care Cost Data Report is derived from 50 million actual health care cases and a wide range of additional data sources. HealthView’s actuary and physician-reviewed cost-projection methodology compares year-end data sets between 2013 and year-end 2014, and the company’s rigorous bottom-up approach to calculating total retirement health care costs leverages [...]

Understanding the Impact of Modified Adjusted Gross Income on Retirement Health Care Costs


Strategies To Reduce Medicare Income Surcharges In terms of retirement planning, many Baby Boomers have done everything right. They have calculated future expenses, invested in IRAs and 401(k)s, and labored for decades to maximize their pensions and Social Security—all to generate the necessary income to enjoy a lengthy and financially secure retirement. They believe—and with [...]