All costs are estimates and subject to change. These projections use the assumed healthcare inflation rate annually. IRMAA for Part B/D not included.

`; costEstimationResultsDiv.innerHTML = html; } if (runEstimationBtn) { runEstimationBtn.addEventListener('click', runCostEstimation); } // --- PDF Download --- function loadJsPdfIfNeeded(callback) { if (jsPdfLoaded) { if (callback) callback(); return; } const script = document.createElement('script'); script.src = 'https://cdnjs.cloudflare.com/ajax/libs/jspdf/2.5.1/jspdf.umd.min.js'; script.onload = () => { jsPdfLoaded = true; console.log("jsPDF loaded dynamically."); if (callback) callback(); }; script.onerror = () => { console.error("Failed to load jsPDF."); alert("Error: Could not load PDF library."); }; document.head.appendChild(script); } function downloadReportAsPdf() { if (!jsPdfLoaded) { alert("PDF library not loaded."); return; } if (!estimationDataForPdf) { alert("No estimation data to download. Please run the estimation first."); return; } const { jsPDF } = window.jspdf; const doc = new jsPDF({ unit: 'pt', format: 'a4' }); const data = estimationDataForPdf; const pageMargin = 40; const pageWidth = doc.internal.pageSize.getWidth() - 2 * pageMargin; let y = pageMargin; function addMainTitle(text) { doc.setFontSize(18); doc.setFont(undefined, 'bold'); doc.setTextColor(0, 90, 156); // Primary doc.text(text, doc.internal.pageSize.getWidth() / 2, y, { align: 'center' }); y += 35; } function addSectionTitle(text) { if (y > doc.internal.pageSize.getHeight() - 80) { doc.addPage(); y = pageMargin; } doc.setFontSize(14); doc.setFont(undefined, 'bold'); doc.setTextColor(0, 120, 212); // Secondary doc.text(text, pageMargin, y); y += 25; } function addLine(key, value, keyColor = [51,51,51], valueColor = [51,51,51]) { if (y > doc.internal.pageSize.getHeight() - 40) { doc.addPage(); y = pageMargin; } doc.setFontSize(10); doc.setFont(undefined, 'bold'); doc.setTextColor(keyColor[0], keyColor[1], keyColor[2]); doc.text(key, pageMargin, y); doc.setFont(undefined, 'normal'); doc.setTextColor(valueColor[0], valueColor[1], valueColor[2]); const valueText = String(value); doc.text(valueText, pageMargin + 250, y, { align: 'left', maxWidth: pageWidth - 250 - 5 }); y += 18; } function addInfo(text) { if (y > doc.internal.pageSize.getHeight() - 50) { doc.addPage(); y = pageMargin; } doc.setFontSize(8.5); doc.setFont(undefined, 'italic'); doc.setTextColor(100,100,100); const splitText = doc.splitTextToSize(text, pageWidth); doc.text(splitText, pageMargin, y); y += (doc.getTextDimensions(splitText).h) + 10; } function addTable(headers, tableData, columnWidths) { if (y > doc.internal.pageSize.getHeight() - 60) { doc.addPage(); y = pageMargin; } doc.setFontSize(7.5); // Smaller font for more columns const headerFillColor = [0, 120, 212]; const headerTextColor = [255,255,255]; const rowTextColor = [51,51,51]; doc.setFillColor(headerFillColor[0], headerFillColor[1], headerFillColor[2]); doc.setTextColor(headerTextColor[0], headerTextColor[1], headerTextColor[2]); doc.setFont(undefined, 'bold'); let currentX = pageMargin; headers.forEach((header, i) => { doc.rect(currentX, y, columnWidths[i], 20, 'F'); doc.text(header, currentX + 3, y + 14); // Adjust padding for smaller font currentX += columnWidths[i]; }); y += 20; doc.setTextColor(rowTextColor[0], rowTextColor[1], rowTextColor[2]); doc.setFont(undefined, 'normal'); tableData.forEach((rowArray) => { if (y > doc.internal.pageSize.getHeight() - 30) { doc.addPage(); y = pageMargin; currentX = pageMargin; doc.setFillColor(headerFillColor[0], headerFillColor[1], headerFillColor[2]); doc.setTextColor(headerTextColor[0], headerTextColor[1], headerTextColor[2]); doc.setFont(undefined, 'bold'); headers.forEach((header, i) => { doc.rect(currentX, y, columnWidths[i], 20, 'F'); doc.text(header, currentX + 3, y + 14); currentX += columnWidths[i]; }); y += 20; doc.setTextColor(rowTextColor[0], rowTextColor[1], rowTextColor[2]); doc.setFont(undefined, 'normal'); } currentX = pageMargin; rowArray.forEach((cell, i) => { doc.rect(currentX, y, columnWidths[i], 18); const cellText = String(cell); const textLines = doc.splitTextToSize(cellText, columnWidths[i] - 6); doc.text(textLines, currentX + 3, y + 12); currentX += columnWidths[i]; }); y += 18; }); y += 10; } addMainTitle("Retiree Healthcare Cost Estimation Report"); addInfo(`Report Generated: ${new Date().toLocaleString()}`); y += 10; addSectionTitle("Input Parameters"); addLine("Current Age:", `${data.inputs.currentAge} years`); addLine("Planned Retirement Age:", `${data.inputs.retirementAge} years`); addLine("Life Expectancy (Planning Horizon):", `${data.inputs.lifeExpectancy} years`); addLine("Health Status:", `${data.inputs.healthStatus.charAt(0).toUpperCase() + data.inputs.healthStatus.slice(1)}`); addLine("Est. Monthly Medicare Part B Premium:", formatCurrency(data.inputs.partBMonthly)); let medigapDesc = data.inputs.medigapPlanChoice === 'none' ? "None" : data.inputs.medigapPlanChoice === 'plan_g' ? `Plan G (Illustrative ${formatCurrency(ILLUSTRATIVE_MEDIGAP_G_MONTHLY)}/mo)` : `Other (Custom ${formatCurrency(data.inputs.medigapMonthlyUsed)}/mo)`; addLine("Medigap Plan Choice:", medigapDesc); addLine("Est. Monthly Medicare Part D Premium:", formatCurrency(data.inputs.partDMonthly)); addLine("Est. Annual Dental/Vision/Hearing Costs:", formatCurrency(data.inputs.dentalVisionHearingAnnual)); addLine("Est. Annual Out-of-Pocket (OOP) Max:", formatCurrency(data.inputs.outOfPocketAnnualUsed)); addLine("Est. Annual Long-Term Care (LTC) Costs:", formatCurrency(data.inputs.ltcAnnual)); addLine("Expected Annual Healthcare Inflation:", `${data.inputs.healthcareInflationPct.toFixed(1)}%`); y += 10; addSectionTitle("Estimated Costs Summary"); addLine("Est. Total Annual Cost at Retirement (Age " + data.inputs.retirementAge + "):", formatCurrency(data.summary.firstYearTotalCost), [235,87,87], [235,87,87]); addLine("Est. Cumulative Cost (Age " + data.inputs.retirementAge + " to " + data.inputs.lifeExpectancy + "):", formatCurrency(data.summary.cumulativeTotalCost), [235,87,87], [235,87,87]); addInfo(`Projected over ${data.summary.yearsInRetirement} years of retirement.`); y += 10; if (data.projectionTable.length > 0) { addSectionTitle("Year-by-Year Projected Costs (Inflated)"); const tableH = ["Ret. Yr", "Age", "Part B", "Medigap", "Part D", "D/V/H", "OOP", "LTC", "Total"]; const tableCW = [35, 35, 55, 55, 55, 60, 60, 55, 70]; // Sum: 480, fits pageWidth (approx 515) const tableFData = data.projectionTable.map(r => [ r.year, r.age, formatCurrency(r.partB,0,0), formatCurrency(r.medigap,0,0), formatCurrency(r.partD,0,0), formatCurrency(r.dvh,0,0), formatCurrency(r.oop,0,0), formatCurrency(r.ltc,0,0), formatCurrency(r.totalAnnual,0,0) ]); addTable(tableH, tableFData, tableCW); } addInfo("Disclaimer: All costs are estimates and subject to change based on actual plan choices, health status, location, policy changes, and market conditions. This tool does not account for Income Related Monthly Adjustment Amounts (IRMAA) for Medicare premiums. This is for illustrative and educational purposes only and not financial or medical advice. Consult with relevant professionals."); // Footer const pageCount = doc.internal.getNumberOfPages(); for (let i = 1; i <= pageCount; i++) { doc.setPage(i); doc.setFontSize(8); doc.setTextColor(150); doc.text(`Page ${i} of ${pageCount} - Healthcare Cost Estimator`, pageMargin, doc.internal.pageSize.getHeight() - 20); } doc.save('Retiree_Healthcare_Cost_Estimation.pdf'); } if (downloadPdfBtn) { downloadPdfBtn.addEventListener('click', () => loadJsPdfIfNeeded(downloadReportAsPdf)); } // --- Initialization --- showTab(0); if (customMedigapGroup) customMedigapGroup.style.display = 'none'; // Initially hide custom medigap input loadJsPdfIfNeeded(); });