FIRE HealthCalc is a free tool designed to help individuals navigate the ambiguity of US healthcare cost planning in FIRE. Unlike many other expenses, healthcare costs can change significantly as one ages and there are complex interactions between ACA rules, tax planning and income that guide subsidies. This calculator helps you:

• Model healthcare costs for your household across different income scenarios
• Optimize withdrawal strategies to fund required income without blowing up ACA subsidies
• Get your liftetime healthcare expenses FI number

The tool uses 2026 ACA marketplace rules, Medicare cost structures, and federal poverty level (FPL) guidelines to estimate healthcare costs. It models how different withdrawal strategies from pre-tax, taxable, and tax-free accounts affect your MAGI and, consequently, your eligibility for subsidies and surcharges.

Important Disclaimer

This tool is intended as a rough modeling tool and does not provide actual financial, insurance or healthcare advice. Healthcare regulations, subsidy calculations, tax regulations and Medicare rules change frequently and there are several state-specific rules which may not be reflected in this tool. Never make financial or insurance decisions based on the results of FIRE HealthCalc. Consult with qualified professionals for advice regarding your specific situation.