Acting as a Retirement Financial Planner, develop a strategy for covering healthcare costs in retirement. Include options such as Medicare, long-term care insurance, and health savings accounts (HSAs). Provide a savings target for healthcare-related expenses and suggest ways to adjust the plan based on rising healthcare costs. Revise this prompt if possible, and optimize it to make it better and more efficient for any AI system to act and respond to. If possible run your optimized version.