Unless they are about 3-4 years younger than you or willing to re-locate into emerging markets under local terms, they will be right behind you and without even getting close to retirement. Put a fork in it. Medical care cannot continue to be so unproductive and costly. Whatever the catalyst - private enterprise or public pressure -, health care in the US will be subject to even more consolidation. The need for a large sales organization that travels door-to-door goes with it. Even direct-to-consumer marketing may not prove valuable in a more consolidated marketplace. The VA is being held up by many as the model for future US medical care. The non-negotiable pinch point for medical costs is just around the corner. Too many people approaching are not adding wealth or cost control that they were counting on for retirement. If they were counting on Uncle Sam to cover their medical costs, the capability for government support for health care may not be all that reliable. The % of GDP devoted to health care cannot keep rising especially during the period that the baby boomer wave enters its more expensive health care years. Look at the numbers for medical tourism (out of the US) to see how even today, people are traveling to reduce their health-care costs. Choice for medical options at any price will be under severe pressure.
