This should sound familiar: Middle-income baby boomers are excited about retirement but concerned that they won't have enough health insurance and won't be as financially secure as they are right now.

A study by the Bankers Life and Casualty Co. Center for a Secure Retirement surveyed nearly 1,300 Americans between the ages of 49 and 67 with an annual household income between $25,000 and $75,000 and found that the majority of respondents do not believe their retirement care will be the same as in previous generations.

Sixty percent of them are afraid they won't have enough health insurance provided by a previous employer, a growing trend reflected in the rising number of employers that have reduced their health benefits in advance of the Patient Protection and Affordable Care Act. 

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