this post was submitted on 05 Mar 2025
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I don't think any amount of achievable retirement savings is enough to give me confidence that I could cover escalating health care costs enough that I could retire. Even if I had $10M in the bank, I would worry that the cost of health care will rise fast enough to impoverish me.
You just move to a county with actual Healthcare as part of your retirement. Won't even need 5 mil.
If you make it to Medicare age, it gets a lot less stressful. eg: my folks have had 4 knees replaced with very little out-of-pocket cost. There's still supplemental insurance, but Medicare, not the profit-driven insurance company, determines what gets covered, and they mostly listen to doctors. There's always edge cases, where some treatment might not be covered, but I feel like those are uncommon.
One way or the other, my ultimate health care plan is 9mm.
I have no confidence that medicare will still exist. It could be gone by next month.
Maybe in our lifetime we will see an expansion of Medicare to be a single payer system for all Americans as a publicly available option (ie: the minimum standards other insurance would need to meet to be competitive).
That would be nice. Idk I'm just hopeful in like 25 years we may see some real change ushered in when it comes to that. Probably very naively hopeful but I have to at least occasionally believe in a better future.
I get more pessimistic every year and I started out extremely pessimistic. I think humanity going extinct in my lifetime is more likely than the US getting single payer in my lifetime.
Humans won't ever go extinct save some absolute batshit scenario that wipes the world completely clean of all life, give or take.
We're too resourceful and we like fucking too much for humans to go extinct but it could be a pretty bleak existence for the human race at some point.
Nevertheless, I stand by my view. We are already trying our hardest to make the atmosphere replicate the atmosphere of the K-T extinction.
I'm surprised that Trump doesn't use Obama care to prescribe 9mm medication to people. It's a lot cheaper to pay a one time cost of a 9mm that reoccurring costs of medication. Think about it, health care costs plumit and firearms sales skyrocket. It's a republican wet dream.