CNBC - Fidelity Investments ----- Refers to those that live in the USA. Fidelity Investments estimates that a HEALTHY 65 year-old couple retiring this year will need $280,000 to cover their health-care costs in retirement. BUT the figures do NOT include other health expenses such as over-the-counter medications, most DENTAL expenses (which can be high for someone over 65.) AND LONGTERM CARE - Home services or nursing home -$60,000 to $100,000 a year for one person. Fidelity's calculations include premiums, cost sharing provisions and out-of-pocket costs associated with Medicare parts A,B and D.