Healthcare isn’t just expensive. It’s financially mistimed
Healthcare isn’t just expensive
Families plan for a home, a car, college tuition, and retirement — often years or decades ahead.
It’s financially mistimed
But health — one of life’s largest financial variables — is still managed one year at a time, if at all.
That mismatch is becoming costly
The Solvency Gap
Households plan long-term. Health is managed in the short term.
- Insurance resets annually
- Jobs change coverage
- Health risk builds quietly over time
When major costs finally arrive:
- disposable cash may be insufficient
- savings may already be committed
- flexibility may be limited
By then, options are harder to change.
The Solvency Score
The Solvency Score measures a household’s short and long-term financial resilience to healthcare
Health affects more than medical bills.
It can influence income, savings, retirement timing, and financial flexibility.
The Solvency Score helps households see those risks earlier.
Two Horizons
SHORT-TERM SOLVENCY
Can we handle the next 6–24 months?
Measures resilience to:
- illness or injury
- deductible shocks
- coverage loss
- unexpected medical costs
- income disruption
LONG-TERM SOLVENCY
Can we stay secure through retirement?
Measures resilience to:
- rising healthcare costs with age
- chronic disease exposure
- retirement income shifts
- long-term savings drawdown
- longevity-related cost pressure