Healthcare
Model healthcare between retirement and Medicare
Represent employer, retiree, COBRA, Marketplace, or other coverage for each person before Medicare.
When this applies
Use this when coverage changes after work ends or spouses reach Medicare in different years.
What to gather
- Coverage type and plan name.
- Effective start/end years.
- Gross annual premium.
- Expected annual out-of-pocket cost.
- Employer/government contribution and prescription coverage.
Where to enter it
Portfolio > Scenario Editor > Annual Spending > Medical > Confirmed coverage decisions
How to enter it
- Enable medical coverage and enter the general pre-Medicare estimates.
- For each person with a known choice, select the actual coverage arrangement and effective years.
- Enter gross premium, expected out-of-pocket cost, and any subsidy separately.
- Indicate whether the arrangement includes prescription coverage and whether Medicare applies.
How YARCalc uses it
- A confirmed person/year arrangement replaces the generic estimate while active.
- Subsidies reduce net cost but cannot create negative medical spending.
Check your work
- Run Projection and review medical spending before and after each coverage transition.