Every week a Guardian Money reader submits a question, and it’s up to you to help him or her out – a selection of the best answers will appear in next Saturday’s paper.

This week’s question:

I’m nearing 65 and retiring on a pension of around £30,000. I’ve had medical insurance through work, but it ends when I leave. I’ve had quotes from £80 through to £250 a month to take it out privately, even though I haven’t had cancer or heart disease. Is it worth it? Will I be hit with huge extra premiums?

Do you have a problem readers could solve? Email your suggestions to money@theguardian.com or write to us at Money, The Guardian, Kings Place, 90 York Way, London N1 9GU