When you’re projecting your income and making the big decisions about when and where to retire, how much you need to live comfortably, and whether to sell the family home and downsize, one wildcard in the whole planning process is medical and drug costs.

Plan on seeing your drug coverage chew up a bigger portion of your income.

By 2030, 42 percent of people with traditional Medicare will spend 20 percent of their total income or more on health care costs, says a new Kaiser Permanente Foundation study (http://kaiserf.am/2EOBtKS), “Medicare Beneficiaries’ Out-of-Pocket Health Care Spending as a Share of Income Now and Projections for the Future.”