How does the Advantage plan work out for end of life medical expenses?  Right now you are relatively young and relatively healthy.  Every bit of info I have ever seen shows that the expense curve rises exponentially towards the end of life on a population basis.  I don’t know how Advantage covers that but your $25K savings, invested, looks like it could get eaten up in less than a year in a care facility.  I am 30 years away, just trying to figure out how it all is working.