Women are already used to doing more with less — lower salariesmean stretching budget dollars further, and sometimes mean findingadditional paid work to make ends meet when those dollars start tosnap back. And often that’s all done with less time spent in theworkforce, thanks to caregiving and other responsibilities.

Related: No gender equality in savings,retirement

They’re behind the curve when it comes to retirement, too, witha smaller pool of money to save from to pay their expenses oncethey’re no longer working. But according to a Wall Street Journalreport, health care is likely to cost them 20 percent more inretirement than it will men.

Why? Women’s longer lifespans are to blame, says a study fromHealthView Services. In “The High Cost of Living Longer: Women& Retirement Health Care,” HealthView pointed out that half ofAmerican women are projected to live approximately to age 90 and 25percent are expected to come close to the century mark.

While that may sound like good news, the not-so-good news, thereport adds, is women “will likely live [their] last yearsalone.”

Related: Health costs still putting Americans inpoverty

And here’s the really bad news: Health care inflation and risingmedical needs that accompany aging means women “will face moreyears of health care expenses than men and greater costs for eachadditional year of life.”

The report says a 65-year-old woman retiring this year canexpect to spend more than $235,000 on health insurance premiumsover the rest of her lifetime, while men are projected to spend$200,000. That includes Medicare Part B and D premiums, Medicaresupplement insurance and the assumption that health care costs willincrease by about 6 percent annually.

And then there are dental, vision and hearing-related services,which together boost total retirement health care costs to $306,000for that 65-year-old woman, compared with $260,000 for men.

Related: Americans spending less on other things because ofhealth costs

And forget about long-term care; Medicare doesn’t cover it, withfew exceptions, and the report says a 55-year-old woman is likelyto spend $370,000 on a mix of home care, a nursing home or anassisted-living facility. That would require additional savings of$61,200, saved today and bringing in a return rate of 6 percent —not a likely possibility in today’s interest rate climate.

Oh, and one more thing: those estimates aren’t for those withhigh incomes or those in good health. Singles with incomesexceeding $85,000 and couples with incomes topping $170,000 canexpect to be slammed with surcharges ranging from 40 percent to 200percent for those Medicare Part B and D premiums. And if they’rehealthy, they’ll live long enough to boost their lifetime medicalexpenses.