Anyone planning to retire had better be aware of projected figures for health care costs.

They're still on the rise and are eating up more of Social Security than ever—and taking a higher toll on women, whose lifetime costs are expected to be substantially higher than for men because of longer life expectancy.

That's according to a new report from HealthView Services, which projects that lifetime retirement health care premiums for Medicare Parts B, D, supplemental and dental insurance for an average 65-year-old couple retiring this year will total $321,994 in today's dollars. Once you add in deductibles, copays, hearing, vision and dental out-of-pocket costs, you can up that to $404,253.