Other than budgeting for drugs, dental, and vision as you say, my plan is just an awareness, I guess, of potential irregular but large expenses for things like private surgery/procedures. Surgery wait lists are incredibly long, where I live at least, and some people I know (healthy otherwise - can happen to anyone) that have required surgery have been paying for it themselves at private hospitals due to the 1 to 1 1/2 year wait times in the public queue. I guess I'm treating it like a condo owner has to think about potential assessments in the future.