And according to troubling research from Fidelity, a shocking 1 in 5 Americans said they have never considered healthcare costs during retirement. That's a huge problem, given the fact that Fidelity also reports the typical 65-year-old retiring in 2025 may face out-of-pocket healthcare costs of $172,500. If you do not prepare to cover these huge costs, you'll have to drain the money in your retirement plans much more quickly than you anticipated. Medicare also excludes coverage for some common things retirees need, including hearing aids, dental care, and vision care. However, if you have a qualifying high-deductible health plan and are allowed to contribute, you should absolutely take advantage of this great account.