Individuals who are continuing to work because they are concerned about the health insurance conundrum is a very real and common concern. However, this concern is not an accurate reflection of the facts on the ground.

“Your health isn’t everything, but without your health, everything is nothing.” Asheville-based cardiologist Dr. Brian Asbill isn’t sure who initially said this quote, but he adamantly believes in it.

According to the Kaiser Family Foundation, in 2006 4% of employees nationwide were enrolled in High Deductible Health Plans (HDHP) through their employers. By 2015, that number had increased to 28% and has remained steady since. It makes sense to examine how we can best utilize the Health Savings Account (HSA) that accompany these plans.

Just like you have a financial plan to stay on track with spending and saving, make a plan to manage your health and hopefully reduce the impact of healthcare costs in your retirement.