For a typical married couple at age 65, uninsured health care costs through the remainder of life will amount to around $189,000 – the accumulation of insurance premiums, out-of-pocket costs and home health care based on a present value calculation. And that’s the good news.

The bad news? A typical household faces a 5% chance that uninsured health care costs will exceed $295,000, and if nursing-home costs are included, as much as $516,000, according to a recent research analysis published by the Center for Retirement Research at Boston College (CRR).

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