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Employers are worried about health benefits for working-age people.

Congress is deeply worried about the finances of Medicare.

For now, however, current retirees are happy about their Medicare coverage, along with many other aspects of their lives.

Analysts at the Transamerica Center for Retirement Studies discovered retirees' relatively high level of comfort recently when they conducted a survey of about 10,000 U.S. adults, including 2,690 people who were retired.

About 18% of the survey participants said they had no retirement-related fears at all, according to the survey report.

Here's a look at how often five retirement concerns came up when the survey team asked the participants to list their top retirement fears.

5. Lack of affordable housing: 12%.

Younger people might be struggling to pay for housing partly because retirees have locked in good housing deals and aren't moving.

4. Lack of access to adequate and affordable health care: 15%.

Employers and policymakers may wonder about Medicare finances, but, at the time the Transamerica center researchers fielded the survey, that anxiety had not had much effect on retirees.

3. Outliving savings: 31%.

The survey results suggest that retirees are thinking more about income than health care bills.

If current workers are following a similar path, they might be more interested in hearing about 401(k) plan annuitization options than about Medicare, although they might have a desperate need for information about Medicare.

2. Cognitive decline: 32%.

Some survey participants may have already noticed signs of impairment.

1. Social Security's finances: 41%.

The Social Security trust fund appears to be stronger and easier to shore up than the Medicare Part A hospitalization trust fund.

But current retirees have been hearing more about Social Security's problems than about Medicare's problems.

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