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Half of affluent pre-retirees say they are “terrified” of the effect health care costs will have on their retirement plans, according to a report released Monday by Nationwide Financial. Three-quarters of respondents said health care costs “going out of control” was their top retirement fear.

In spite of those fears, 38 percent of affluent pre-retirees still haven’t spoken with a financial advisor about their retirement, and those who haven’t aren’t talking about health care costs. Just 20 percent have discussed health care costs that won’t be covered by Medicare.

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