OP, I'm also into frugality and early retirement (a subscriber to the MMM financial philosophy, if you're familiar with that site) and struggle to calculate how to plan for my future healthcare needs. My colon was removed years ago but the UC-related expenses haven't ended for me: I still see a GI at $40 per appointment (once or twice a year, potentially more often if I have pouchitis or cuffitis) and require yearly scoping that can cost hundreds of dollars or even meet my $1,000 deductible.
Throwing additional kinks into things, I developed skin and joint manifestations of the disease that require hundreds of dollars in yearly prescript
ion fees and co-pays for dermatologists and rheumatologists. On top of that, I've been diagnosed with two more autoimmune diseases that require their own prescript
ions and specialists, but those are currently well-managed and relatively inexpensive (one costs $100 per year, the other around $300).
In recent years my annual healthcare spending has ranged from $1,500 to $3,000, but I'm thinking of budgeting up to $10k per year for health expenses in retirement (I'd like to retire in 13 years, at the age of 45) just to be on the safe side, mostly on account of the unpredictable nature of autoimmune diseases and the presumption that insurance costs will continue to grow at nauseating rates.
Post Edited (missingcolon) : 12/3/2015 8:48:29 PM (GMT-7)