It may seem counterintuitive, but if you're healthy and enjoy a nice, long life in retirement, you'll pay more in health care costs than your less-healthy compatriots. 

At least that's the upshot of a new report from the Insured Retirement Institute, which analyzed data from HealthView Services and found that a 65-year-old male in excellent health will face health care expenses, including premiums, that will add up to $345,000. His less-healthy buddy, meanwhile, will only have paid around $246,000 altogether. 

Of course, the healthy guy can console himself at his buddy's funeral with the thought that spending all that money has bought him time. He'll likely make it to around 87, while his friend will have lived to perhaps 81.