I knew few baby boomers who are actually retired. And though they dream of golfing on a Tuesday, they are hesitant to stop working all together.

Who can blame them? The latest estimate on retiree health costs is just short of a quarter million. As if the price tag wasn’t hard enough to swallow, if they’re a few years shy of Medicare eligibility, pre-retirees know how hard it is just to secure health care.

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