Americans are already under the gun trying to save enough for retirement, but they're forgetting one essential—and large—expense: health care.

A new paper from HealthView Services, which provides health care cost data to the financial industry, points out that while people are struggling to save enough to pay for the basics during retirement — food, shelter, utilities — health care expenses aren't even on the list for many, many of whom are still dealing with the aftereffects of the Great Recession.

This is particularly true for future retirees, according to the paper, "Closing the Retirement Health Care Costs Planning Gap: The Next Retirement Planning Challenge." The paper points out that, while many retirees aren't feeling the full effects of the bill for retirement health care, future retirees won't be so lucky.

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