Micheal Kitces comments on this study (
click here - Vanguard Study) and tries to point out that Healthcare costs in retirement are just another monthly/annual cost that can be budgeted for much like food, clothing and shelter. He further points out that the media's recent hype of lump sum Healthcare cost numbers ($280K for a couple) are misrepresented (over sensationalized) since, in reality, healthcare costs are spread out over a retiree's retirement lifetime and managed on a monthly basis like any other monthly bill.
Healthcare cost through the lens of other Lump sum Assets and liabilities:
Kitce's Blog Article:
https://kitces.com/blog/vanguard-mercer-study-real-annual-health-care-costs-in-retirement-projections/