I am writing a story titled "How to plan for the menopause tax and other hidden or unexpected healthcare costs." It will be geared toward insurance advisors and focus on why many financial plans fail to account for potential earnings impacts, increased out-of-pocket expenses, income disruption, and coverage gaps tied to menopause, and how to proactively build these into a strategy. I'd love to include insights from insurance and financial professionals on this topic. 1. How do you define the “menopause tax” in financial terms for clients and advisors? 2. Why has menopause-related financial impact historically been missing from retirement and insurance planning models? 3. What are the most common out-of-pocket expenses associated with menopause that surprise clients? 4. At what point in a client relationship should menopause-related planning be introduced, if at all? 5. What specific adjustments should advisors make to retirement projections to account for midlife health transitions? 6. What financial products or strategies best help absorb or offset these costs (HSAs, long-term care planning, supplemental insurance, etc.)?