Medical inflation is cited at about 8% a year, which would double costs roughly every 10 years. The article says public schemes (Gold Card, Social Security, civil servant benefits) may be restructured because of fiscal limits. Practical steps it lists: build a dedicated medical reserve that earns more than 8% a year, consider a family pool for larger households, and look after health early if insurance is hard to get. On insurance, the new health standard only applies co-payment after 3 or more claims in a policy year where claims reach 200% (minor illness) or 400% (general illness) of premium, so most people are unlikely to hit it. Note the 8% figure and the restructuring warning are the article's own framing, not an official forecast.