A new report estimates retirees need $184,000 to $217,000 individually or $351,000 as a couple saved just for healthcare costs in retirement. These amounts provide a 90% chance of covering Medicare premiums, deductibles, coinsurance, and prescription drugs. Healthcare costs are rising much faster than inflation or Social Security increases, putting stress on retiree budgets. Long-term care costs for assisted living or home care are even higher, requiring, on average, 17+ years of savings.