Survey says: You're probably worried about how to pay for health care during your retirement.
More people list having good health as their top priority for a happy retirement, over being financially secure and having loved ones around you, according to a survey of 3,300 people over the age of 25 by Merrill Lynch and Age Wave, a leading researcher on aging. Despite this, few people—just 15 percent of retirees, the study said—have taken health care costs into account when planning their retirement.
"The unpredictability of one's health as we move through and particularly in the later years makes it a very difficult variable to plan for—perhaps the most difficult," said Andy Sieg, head of global wealth and retirement solutions at Merrill Lynch.
Read MoreTop retirement financial concern: Health-care bills
But fear not! Taking health care costs into account when planning your retirement is not that hard, according to Carolyn McClanahan, director of financial planning at Life Planning Partners. By following these tips, McClanahan said that you won't be caught off guard by mounting doctors' bills late in life.
And to start, you can take of your health, which McClanahan said is the No. 1 way to keep down their medical costs when heading into retirement.
"If you do a great job taking care of that, it's less likely you're going to incur expenses down the road," McClanahan said.
Chronic conditions, such as heart disease or diabetes, can be nipped in the bud by maintaining a healthy diet and exercise.