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How to Plan Early Retirement Health Care Costs Beyond 65
Episode 98 of The Financial Freedom Podcast tackles a blind spot in many early retirement plans: health care costs in the Medicare years. Lucas and Luna discuss the 2026 Medicare Part B premium, IRMAA surcharges that can hit retirees with moderate IRA withdrawals, and why the conventional 4 percent rule doesn't account for health-spending volatility. They walk through a concrete example: a 55-year-old couple retiring with a $1.5 million portfolio, estimating annual health care spending from now through age 95, and the surprising result that Medicare costs can exceed private premiums in…
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