Figuring out how much you'll need to save for future health-care costs is one of the toughest parts of retirement planning.
If you have a job that offers health benefits, you probably haven't spent much time thinking about the total cost of your medical, dental and vision expenses. Your employer likely subsidizes the bulk of the cost of your health insurance premiums. The premiums that you pay are automatically deducted from your paycheck, so all you really need to worry about are co-payments, deductibles and out-of-pocket expenses.
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