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Due to the economic downturn and rising health costs in recent years, an increasing number of companies have limited the availability of health care options for retirees. Seniors left to themselves may feel incapable or unsure of how to facilitate getting sufficient and affordable health benefits to supplement their Medicare coverage.

According to a 2011 survey by AARP, “More than half of Americans over 50 are somewhat or very uncomfortable with their retirement savings.” Obvious financial implications aside, seniors also struggle as their employers shift more and more of the health costs onto their workers.

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