A registered nurse recently told me she'll be glad when she goes on Medicare so she "won't have to pay any health insurance."
"Hold on," I said in reply. "Medicare is not free for you."
I also stressed to her that health-care costs are a major concern in retirement. And you don't want to underestimate these costs. Part of my job as a certified financial planner is to help clients understand Medicare coverage and the affordability of comprehensive coverage.