In today’s dollars (assuming a 3% investment return), this reflects that at least $395,000 in savings is needed.Under Original Medicare with Medigap plus Part D instead, these projections increase to $281,000 for a male and $320,000 for a female, or a combined total of $601,000 for a 65-year-old couple.A female with the same coverage is projected to spend $147,000 in her remaining lifetime.A healthy 65-year-old male who retired in 2024 with an MAPD plan is projected to spend $128,000 on healthcare in his re ...