Retirement is meant to be a time of fun and relaxation. Enjoying your retirement is not possible, however, without the health and security that healthcare provides. You can plan how you will pay for the costs of healthcare without stress if you make sure to do so in advance, as well as make use of the many resources available to retirees and future retirees.

Use Your Savings

The most important thing you can do to prepare for healthcare costs is to start saving now, and the first step is simply to start an account with which to save. Most full-time jobs include a 401k plan, but this plan focuses mainly on savings for a retiree’s living expenses. Health savings accounts (HSA) are specifically designed for medical savings and for that reason are tax-exempt, making them a great option to consider. Regardless, having an account to set a certain amount of your income aside will encourage you, in the long run, to actually fill it with something.

Medicare and Medicaid

As long as you’ve worked at least 10 years in the United States, you will qualify for Medicare, health insurance for people 65 years and older, or those permanently disabled. Once you have Medicare, they will pay 80 percent of your bills after you pay a premium (about $140 a month). Most individuals also purchase a supplement to cover the 20 percent that Medicare does not, which averages around $125 a month more. For those with very low income, Medicaid can cover many long-term care costs in retirement.

Add a Living Benefit

Another option for paying your healthcare bills is to sign up for a life insurance policy now with a living benefit, which allows a person to use the policy’s death benefit for serious medical bills. For example, a person that has a $500,000 living benefit policy and incurs $200,000 of serious medical costs can then draw out that cost from their death benefit to pay it. Though this should not be your go-to plan, it is a great one to fall back on if you do have large healthcare costs later down the road.

For most of a person’s life, they are working hard towards prosperity and health. During retirement, you will want to rest easy knowing any costs your health demands can be covered. Looking into the different options available to you at whatever stage of life you are currently in will help you to meet the future more prepared.

Read this next: What Is the Outlook for Millennial Retirement?

As a young millennial, talking about retirement may seem pointless. You have plenty of time to work out your life and save up. However, many people are facing struggles that could set their retirement funding back if they don’t start taking care of it now. With some thoughtful planning, you can get ahead of your finances.

Retirement Savings

Saving up for retirement is a long process. You shouldn’t just expect to pay for your future all at once. Unfortunately, millennials and Gen Z-ers are finding it hard to save up for such a long-term financial investment when they have other economical burdens.

Be wary of taking on debt—particularly credit card debt. While occasionally this is necessary to survive, shortsighted thinking can set you back drastically. Many financial advisors will recommend that you dedicate roughly 4 percent of your income to a retirement fund. If you make this decision early, you will certainly have enough for your future.

Homeownership

One problem facing the modern generations is the insane housing market. Homeownership isn’t as affordable as it used to be. Since many old people can sell their homes for a much higher price, this is having its consequences on younger generations. Not only is mortgage expensive, but buying a home comes with a lot of paperwork and permits that also cost the buyer significantly more.

About 69 percent of Millennials who rent say they’ll never buy because of affordability issues. While some of these challenges certainly sound insurmountable, being cautious with the debt decisions you make (and budgeting) can remove some of the strain on your future wallet.

Investments

One way millennials can better improve their retirement lives is by diversifying investments. Not only should you be saving money in a bank, but putting the money to use can give you a better return. This is how you can grow your savings exponentially.

Buying a stock that is guaranteed to give you a return is better than investing in a high-risk, high reward scenario. You can blow your money if you aren’t careful. You should also look to buy precious metals, land, and other commodities that are likely to increase in value as time goes on.

Retirement may be in the distant future for you, but it is important to be thinking ahead. Making smart financial decisions right now can quell many of the problems that retirees have in the future. Talk with an advisor, and analyze your current decisions. You’ll be better for it.

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