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For those who perceive such issues as likely in their future, for whatever reason, I would recommend an alternate strategy of becoming familiar with the social, cultural and legal ramifications of living in or retiring to a developing country. This can be a very effective means to mitigate costs and is widely used by the French (eg. large numbers move to Tunisia for months of the year), and in South and Southeast Asia everyone from old hippies and alcoholics to bitter divorcees and religious retirees.

The point is, think outside the national box. This is easier to do if you properly comprehend the challenges and limitations while younger. For US citizens, just leaving the country pretty much guarantees cheaper access to medical care.

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