UMB Healthcare Services said Tuesday its surpassed $1 billion in health savings account deposits and assets after growing 36 percent in the past year.

Earnings on pension fund investments skyrocketed 311.9 percent, from $93.1 billion in 2012 to $383.3 billion in 2013.

Its the top reason health care costs are almost $4 trillion, approaching one-fifth the size of the economy.

They know its important, but most have no idea how to ensure monthly income in retirement.