Fidelity Investments has just announced that a retired couple will need $200,000 over the course of their golden years to cover healthcare costs, not including long-term care in the case of a serious illness. The estimate assumes that the retirees are not covered by employer-sponsored healthcare but factors in Medicare Part B and D premiums, co-payments and premiums, as well as the out-of-pocket costs of prescription drugs.

Since Fidelity's initial estimate of $160,000 in 2002, healthcare for retirees has risen 5.8% a year.

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