White Papers


HealthyCapital strives to be recognized as a leader in disseminating critical healthcare-cost information to individuals, both before and during retirement.  More importantly, we also illustrate how to people can reduce medical expenses and successfully save for long-term goals through simple behavior modifications.

At the core of that ethos, HealthyCapital’s mission is to help people become healthier and more financially prepared for the future. The resources below provide a small sample of the data analysis that we have used to improve the financial and healthcare industries – one individual employee at a time.

Healthcare, Annuities and Retirement :
Introducing healthcare costs into financial planning conversations can increase savings and build retirement security.

From Congress to companies to consumers, practically everyone in America is seeking ways to reduce medical expenditures. As the data in this paper will demonstrate, one practical and relatively simple strategy is to integrate personal wellness, long-term and consistent savings, and the appropriate investment, which can help people live longer, lower annual medical expenditures, and generate more retirement income.

Health & Retirement Savings :
Leveraging Healthcare Costs to Drive 401(k) Contributions & Improve Health

Encouraging working Americans to save more for retirement is a priority for employers, 401(k) plan administrators, and financial advisors. Despite attempts to motivate individuals to save more, contributions to 401(k) plans (as a percentage of worker income) have barely increased over the last two decades. Average 401(k) balances remain far below the levels many will need to maintain their standard of living in retirement, and one-third of workers have no retirement savings.

Building Wealth Through Wellness :
Incentivizing Healthy Behaviors to Reduce Healthcare Costs and Increase Retirement Savings

Americans are anxious about rising healthcare costs. In Nationwide’s “Healthcare Costs in Retirement Survey,” (of 1,316 U.S. adults aged 50 or older) 74% admit that one of their top fears is out-of-control healthcare costs, and 64% are terrified of what healthcare costs may do to their retirement plans (up from 57% in 2015). However, there is some reason for optimism. In terms of personal cost, individuals may actually have more control than they think: through positive lifestyle choices and behavior adjustments.