[mysecretaccount]

Even for a serious health issue, millions seems very unlikely. Additionally, while health care in the US is expensive compared to everywhere else, it isn't likely that the premiums for a single 27 y/o would be the deciding figure in "can or can't retire".

[petilon]

See 60 minutes story on hospital bill for covid. The patient died. Bill from the hospital for about four weeks of his hospital stay came to a little over $4 million. https://www.cbsnews.com/news/covid-19-deaths-families-60-min...

[jrumbut]

He won't stay 27 forever.

[mysecretaccount]

No, but people tend to spend more earlier in retirement and he can plan for it. Planning for rising premiums as a single person is easy, planning for a family if he ever wants one is more difficult.