New Core Finance Advisor Study Highlights the "Hidden Mortgage" of Healthcare Costs for Today's Retirees

San Ramon, California, January 28, 2026 - A new study from Core Finance Advisor reveals a stark financial reality facing retirees: healthcare expenses in retirement can equate to a $366,000 burden, a figure the firm terms the "healthcare hidden mortgage." The report emphasizes that while healthcare spending is often expected, many retirees underestimate its long‐term impact on their financial security and lifestyle planning.

The study, published on January 19, 2026, explains that the average couple retiring at age 65 will need roughly $366,000 set aside just for medical costs. Unlike traditional debt, this "hidden mortgage" builds gradually through insurance premiums, prescription drugs, and routine care expenses that are routinely overlooked in retirement planning.

"Healthcare costs do not come with a monthly bill like traditional expenses," said Core Finance Advisor's lead author. "That makes them easy to ignore until they start eroding retirement savings. Planning early turns these figures from a surprise into an expected factor in a secure financial strategy."

Key Findings from the Study

$366,000 estimate: Based on Fidelity's 2025 retiree health cost estimates, the typical couple will face roughly $366,000 in healthcare expenses in retirement.

Not just premiums: This figure includes routine medical care and does not account for long‐term or nursing care, which could double the total cost.

Psychological impact: The study outlines how unexpected healthcare bills can trigger significant stress and force retirees to liquidate investments at unfavorable times.

Strategies for protection: Core Finance Advisor highlights tools like maxing out Health Savings Accounts (HSAs), reviewing Medicare supplement plans annually, and considering hybrid insurance policies that offer living benefits.

The study frames healthcare expenses as a long‐term financial commitment rather than a series of isolated bills. By treating this cost as a known variable, retirees can better position themselves to preserve wealth and enjoy retirement without financial surprises.

Read more at: https://corefinanceadvisor.com/blog/the-healthcare-hidden-mortgage-366k-reality/
Website: https://corefinanceadvisor.com/

832 via Palermo, San Ramon, CA, USA

Core Finance Advisor is a client‐centered financial advisory firm based in San Ramon, California, serving individuals, families, and businesses across the United States. The firm pairs clients with fiduciary financial advisors and registered investment professionals to deliver personalized strategies for investment growth, retirement planning, tax efficiency, wealth management, and legacy planning. With more than $500 million in assets managed and a strong focus on transparency, technology, and tailored guidance, Core Finance Advisor helps clients build confidence and clarity around their financial future.

This release was published on openPR.