Updated health care and LTC values  Improvement   The national average values for Retirement health care & Long-term care costs have been updated to reflect the most recent survey results. If your clients are using the 'national average' cost estimate for either goal, those expenses will be automatically updated in the plan. We have also updated the default ‘Pre-Medicare’ and ‘Out of pocket’ costs for clients who switch to use the ‘Detailed estimate’ option.