Most Americans Think Medicare Covers More Than It Does: A 2025 Study Shows Only 26% Have It Right
Key takeaways
- Most Americans Think Medicare Covers More Than It Does: A 2025 Study Shows Only 26% Have It Right David Beren Sat, May 16, 2026 at 9:56 PM GMT+7 5 min read Quick Read Only 26% of U.S.
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- The TIAA Institute s 2025 P-Fin Index put a deceptively simple question to U.S. adults: how much of a typical retiree s healthcare expenses does Medicare actually cover?
Most Americans Think Medicare Covers More Than It Does: A 2025 Study Shows Only 26% Have It Right David Beren Sat, May 16, 2026 at 9:56 PM GMT+7 5 min read Quick Read Only 26% of U.S. adults correctly understand that Medicare covers approximately two-thirds of retiree healthcare costs, leaving the remaining third to out-of-pocket expenses including premiums, copays, deductibles, prescriptions, dental, vision, hearing, and long-term care.
Fidelity estimates a 65-year-old retiring today will spend roughly $172,500 on healthcare over retirement (per person, excluding long-term care), while services inflation remains stubbornly above 3% annually and personal savings rates have fallen to 4%, creating a cash flow crisis for the 74% of Americans unaware of Medicare’s actual coverage limits.
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