Excerpt: A recent Employee Benefit Research Institute (EBRI) study noted that adults ages 55 to 64 were in 2005 one of two groups most likely to have health-insurance coverage: just 13.6% or some 4.2 million presently were uninsured. But future retirees may not be so lucky, according to EBRI. That group faces an increased likelihood of being uninsured if employer cutbacks to retiree health benefits affect them and they have no other means of getting health insurance.