Partnering with plan consultants to connect health and financial well-being

A smarter way to address healthcare expenses in retirement.

Things add up as employees countdown to retirement

Staying healthy in retirement won’t necessarily save money. Longevity is also a driver of total retiree healthcare costs.
An average couple, age 65, currently needs more than $296,0001 to cover their healthcare costs in retirement (does not include the cost of long-term care).
An average couple, age 55, retiring in 10 years, needs more than $465,0002 to cover their healthcare costs in retirement (does not include the cost of long-term care).
62% of retirees age 65+ have less in total retirement savings than what experts recommended saving for healthcare costs alone.3
DEEPER DIVE:  Download the Employee Benefit Research Institute
about health expenses in retirement.


Benefits of a defined contribution retiree health approach

Triple tax-free savings and flexibilities enable employers to decide how much they want to contribute – with costs realized today, without future liabilities.
Employer contributions Tax-free employer contributions for participants during active service
Investment earnings Tax-free investment earnings for participants
Participant reimbursement Tax-free participant reimbursement for qualified medical expenses in retirement

In the early 1990's FAS 106 opened our eyes to the financial liability of post-retirement health care benefits

"We reinstated a post retirement benefit in 2005 for faculty and staff hired after 1993, this time on a purely defined contribution basis"
- Emeriti Plan Sponsor

Balancing what’s best for employers and employees

Integrating a retiree health benefit doesn’t have to mean increased costs. Taking a total benefits approach could yield the necessary funding for your clients to support a defined contribution approach. The key is to evaluate benefits from a holistic perspective to identify opportunities. We can help!

Be among the first to provide retiree health expertise and increase your market share

Let us work with you to design a simple, easy-to-understand strategy for your clients that integrates retiree health into overall retirement planning.


Become a part of the growing conversation.


Provide a simple and repeatable benefit for your clients.


Learn more about our  partnership programs.

Start the conversation

We are ready to help you discover how Emeriti's Retirement Healthcare Savings Program can work at your organization.

Schedule a call

Please tell us when to call you.

Email us

Let us know how we can help.
1. Employee Benefit Research Institute (EBRI) Issue Brief, 10/8/2018, No. 460. National average. Savings needed for Medigap Plan F premiums, Medicare Part B premiums and out-of-pocket (median) drug expenses. Does not include long-term care. A couple with a goal of having a 90% chance of having enough savings to cover healthcare expenses in retirement needs $296,000.
2. Preparing for Health Care Costs in Retirement: An America’s Health Rankings Issue Brief, 2017.
3. TIAA Lifetime Income Survey, 2017.