Not all consumers might consider factoring their future healthcare costs into their retirement plans. However, this is one of the most important factors that comes into play during retirement. According to Fox Business, Fidelity Investments, a retirement tracking company, predicts that as of 2013, 65-year-old couples will need about $240,000 set aside to cover their future medical costs. Although Medicare is able to cover some of the funds, if an individual needs long-term care insurance, it will be hard to cover the costs without having purchased a policy early on in life, as they can be harder to qualify for as people age. Chris Jones, chief marketing officer for Aviva USA, told the source there are several ways baby boomers can prepare for their future. One of the primary suggestions Jones has is to be sure to take care of your body from an early age.