{
  "id": 6160605,
  "title": "‘Listen up’: Suze Orman says Americans are miscalculating 1 critical retirement cost — are you? 5 ways to get ahead now",
  "url": "https://urgent.news/2026/09/06/listen-up-suze-orman-says-americans-are-miscalculating-1-critical",
  "topic": "finance",
  "section": "Finance & Markets",
  "published": "2026-09-06T11:45:00.000Z",
  "source": {
    "name": "Yahoo Finance",
    "slug": "yahoo-finance",
    "url": "https://finance.yahoo.com/healthcare/articles/listen-suze-orman-says-americans-114500604.html"
  },
  "original_language": "en",
  "account": "Financial guru Suze Orman warns that Americans may be miscalculating a critical retirement cost: the expenses they'll face after enrolling in Medicare. While Medicare covers much of the healthcare for seniors, it doesn't pay for everything, leaving retirees potentially responsible for substantial out-of-pocket costs.\n\nOrman points out that many Americans are unaware that Medicare won't cover routine dental care, prescription glasses, hearing aids, or long-term care. She emphasizes that even if you haven't yet enrolled in Medicare, it's important to pay attention to these potential expenses and adjust your retirement plans accordingly.\n\nAccording to Fidelity, a 65-year-old retiring in 2026 could need about $185,500 in after-tax savings to cover healthcare throughout their retirement. Out-of-pocket costs can include premiums, deductibles, coinsurance, and services not covered by Medicare.\n\nMedicare Part A is generally free for eligible people, but there's a $1,736 deductible for each inpatient benefit period in 2026. Average hospital costs in the U.S. were $3,297 per day in 2024, and the risk of needing hospital care rises with age - 16.9% of Americans ages 65-74 had at least one hospital stay in 2019, compared to 26.1% for those 85 and older.\n\nTo prepare for these potential healthcare costs, Orman recommends considering additional coverage like Medigap policies to help cover out-of-pocket expenses. She also suggests building dedicated savings, understanding your Medicare options, and exploring post-retirement income opportunities to protect your retirement finances.",
  "summary": null,
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}