"this graph does shows that health care expenses are almost three times higher for those over 65 than those under 65. So - in the first graph - as the baby boom

"this graph does shows that health care expenses are almost three times higher for those over 65 than those under 65. So - in the first graph - as the baby boomers move into the last 4 columns, the health care expenses will rise sharply." Health care expenses will always be higher when you're close to death. When life expectancy is 75 years, that's from ~ age 60-75 (15 yrs, 20% of lifetime). But when life expectancy is 120, the expensive-age window should also slide out to 105-120 (15 yrs, 12.5% of lifetime) or to 96-120 (24 yrs, 20% of lifetime). Actually we can't tell how different phases of people's lifetime (especially productive time) will scale as people live longer, but there's no reason to believe the article's statement either.