Healthcare Inflation Calculator

Annual growth varies by category and country. In the US, medical care inflation has often run several points above headline CPI over long periods, though not every year. Planning assumptions of 4-6% are common; Medicare and employer plan changes also affect what you actually pay.

Yes. Enter a realistic annual spend today (premiums plus typical out-of-pocket), an assumed healthcare inflation rate, and years until retirement. The result approximates the nominal annual cost you might need later; pair it with HSA savings and insurance choices.

If you include long-term care premiums or expected spend in your annual amount, the projection applies to that total. Long-term care has its own cost trajectory; some planners use higher rates for that slice of healthcare spending.