I'm going to stray from the playbook this week. I'm going to talk about health insurance.

After all, even a healthy 65-year-old couple will need at least $500,000 for health care in 2018, according to the Employee Benefit Research Institute. So yeah, that's a huge retirement factor. And with McKinsey's bombshell lingering, it's no wonder the topic of health coverage has trickled into retirement forums and mainstream media in the past few weeks. 

In fact, a CNN Money article Tuesday cited findings from Towers Watson that 42 percent of employers that offer retiree health insurance said "they're considering terminating early retiree plans and will encourage workers to consider buying health insurance through 'health exchanges' instead."

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