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Chris (a.k.a. Crosenfield), you wrote:

<< In our society there is an assumption by insurance companies that a person not covered by company group insurance is a poor health risk. >>

Actually Chris, this is NOT an "assumption" . . . .it's a fact. Keep in mind that insurance companies set their rates and underwriting requirements by large groups of people . .. NOT custom underwritten per individual.

<< Obviously that's why you aren't working, right?
So you pay through the nose if you aren't working and covered under group insurance.

This kind of thinking is highly oversimplified.

<< Alas. This problem is bad enough to drive me from self employed and taking months off each year back to being an employee with a lot less time off, but with full medical coverage.
So yes, the amount for medical insurance gets built into your retirement cash flow needs. Unless, of course, you want to "go bare" and take your chances.

You're right on here. One SHOULD plan for medical insurance costs even when one has some coverage under Medicare . . . but especially important due to high cost of health care if retiring before Medicare comes into play.
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