The health and wealth industries continue to collide with each other as rising health care costs continue to impede workers' ability to save for retirement.

A new Manning & Napier white paper looks at the convergence of the two hefty expenses and attempts to come up with solutions. According to the study, it's very difficult for people to estimate how much money they will need for health care costs in retirement, and people who don't have a lot of wealth can have major health issues.

Financial stress can cause everything from migraines and severe depression to insomnia, anxiety, high blood pressure, heart and digestive problems. In addition to increased medical expenses, these employees also cost employers in terms of missed work and lost productivity due to worrying about financial issues and spending time at work dealing with personal financial matters.