The NIH numbers quoted above didn't use costs over the past 80 years. They instead estimated current costs based on current demographics.

>> To estimate lifetime health care costs, we employ a method based on a current life table, also known as a period life table model.

Thus, these costs are representative of recent costs.

In the next 80 years, both the expected value of insurance and the cost of insurance will change. Health insurance premiums are expected to increase by double-digits in 2019.

https://www.fool.com/investing/2018/05/26/whos-ready-for-a-1...