Has anyone got any advice on planning for large health expenses in retirement/early retirement?
I lost the genetic lottery and will most likely hit the out-of-pocket maximum on whatever insurance plan I'm on every year until I die. I know what that cost is for my current employer-sponsored health plan, and so I budget for it, but post-employment I have no idea how much I would need to save to cover those expenses, and I can really have no guarantee that they will stay anywhere near the same from one year to the next.
I know that the Affordable Care Act provides some help, but a) I would feel guilty accepting subsidies if I've left work voluntarily and thereby lowered my income significantly and b) what the OOP maxes and premiums will be 10, 20 or 30 years from now is totally unknown and unknowable.
Thoughts?