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I think at an older age, when you are more likely to have health problems, 31k is probably not enough.



Sum up the premiums on your insurance, as well as the maximum out-of-pocket expenses on that insurance, and you have a good estimate for your maximum medical expenses in a year; you should get a number that comfortably fits in a 31k budget. Insurance exists to make medical costs predictable and budgetable.


...but anybody who thinks that health insurance provides any such guarantee (in the US) has never dealt with serious medical problems.


Hence why I said "good estimate" rather than "absolute maximum". However, the kinds of problems that health insurance won't buffer for you will generally screw you whether you have 31k/year or 131k/year.


>Sum up the premiums on your insurance

Nah, sum up the premiums on what your insurance would cost at retirement age.




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