People are living longer, which means you’ll have more time to enjoy your Florida retirement. But it also means you’re likely to have higher health care costs. What can you do?

1. Educate yourself on your health insurance options. These days, the majority of employers do not offer retirement health care coverage, so you’ll likely have to research and purchase your own plan. The government’s Medicare health insurance program covers most retirees when they reach age 65. However, you need to understand what Medicare pays and doesn’t pay for, and consider your options for supplemental coverage.
2. Include health care costs in your income planning. When you know what your insurance is going to cost and what it covers, you can estimate what your out-of-pocket health care costs are likely to be during your Florida retirement.
3. Consider all possible funding sources. In addition to your regular retirement income, you may be able to fund health care costs with a health savings account; check with a qualified financial advisor to be sure. Or you may consider working part-time for an employer that offers health insurance to part-timers.
4. Consume health care services wisely. Stay informed and be proactive about your health care. Identify your providers in advance whenever possible. Prepare for health care appointments by writing down all of your symptoms and concerns before the visit so you’re sure to cover everything. If you don’t understand something, demand clarification. Ask about alternative treatments. Finally, find out what you’re paying for. Don’t be shy about asking for a full description of the charges, fees and out-of-pocket costs related to any recommended treatment plan.