{"id":82,"date":"2026-10-11T11:00:00","date_gmt":"2026-10-11T11:00:00","guid":{"rendered":"https:\/\/www.insurancestrategies.net\/blog\/?p=82"},"modified":"2026-10-11T11:00:00","modified_gmt":"2026-10-11T11:00:00","slug":"give-retirement-health-care-its-own-budget-https-heatherbarrow-annuitiesgenius-com","status":"publish","type":"post","link":"https:\/\/www.insurancestrategies.net\/blog\/2026\/10\/11\/give-retirement-health-care-its-own-budget-https-heatherbarrow-annuitiesgenius-com\/","title":{"rendered":"Give Retirement Health Care Its Own Budget | https:\/\/heatherbarrow.annuitiesgenius.com\/"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\" src=\"https:\/\/www.roomvu.com\/agent\/embed\/heather-barrow\/health-expenses-retirees-remotion-videos-62a9\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Budgeting only for federal health premiums can miss major gaps. A 65-year-old retiring in 2026 may need avg. $185.5K after tax, excluding long-term care.<br \/>\nRoutine dental, vision, and hearing needs often sit outside standard federal coverage, so crowns, glasses, fittings, accessories, and replacements can become meaningful out-of-pocket expenses.<br \/>\nDrug coverage still leaves premiums, deductibles, copayments, coinsurance, and noncovered prescriptions. In 2026, covered drug spending was capped at $2.1K before catastrophic coverage.<br \/>\nBeyond premiums, retirees also faced deductibles, ~20% cost sharing, specialist travel, parking, tolls, and small medical supplies that quietly lifted yearly spending.<br \/>\nA stronger plan totaled yearly routine costs, converted irregular bills into monthly savings, reviewed coverage yearly, and kept long-term care planning separate from regular budgeting.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Budgeting only for federal health premiums can miss major gaps. A 65-year-old retiring in 2026 may need avg. $185.5K after tax, excluding long-term care. Routine dental, vision, and hearing needs often sit outside standard federal coverage, so crowns, glasses, fittings, accessories, and replacements can become meaningful out-of-pocket expenses. Drug coverage still leaves premiums, deductibles, copayments, [&hellip;]<\/p>\n","protected":false},"author":173,"featured_media":83,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-82","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/posts\/82","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/users\/173"}],"replies":[{"embeddable":true,"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/comments?post=82"}],"version-history":[{"count":1,"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/posts\/82\/revisions"}],"predecessor-version":[{"id":86,"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/posts\/82\/revisions\/86"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/media\/83"}],"wp:attachment":[{"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/media?parent=82"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/categories?post=82"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.insurancestrategies.net\/blog\/wp-json\/wp\/v2\/tags?post=82"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}