Long term care insurance is a thing and required in some states. > At least in the US, health care costs in old age are unpredictable and nonlinear. We have a

Long term care insurance is a thing and required in some states. > At least in the US, health care costs in old age are unpredictable and nonlinear. We have a few people in my family that retired early and many simply use free medicaid since they have no income (well no reportable income). Like it or hate it, the United States is quite generous if you correctly categorize yourself. In my experience, people usually don't seek out the social safety net because they're convinced it doesn't exist. At 65, you get medicare pretty universally. Yes I know it doesn't cover some things.