"Health care spending is projected to grow 5.8% each year through 2022.... Only one-in-six large employers (considered 500 to 4,999 employees) offer health insurance coverage to retirees. This collision of soaring costs and shrinking employer coverage means that today, the average 65-year-old couple today can expect their out-of-pocket costs to reach $220,000 over 20 years in retirement. With retirement plan balances more inadequate in size, health care costs threaten the financial welfare of many future retirees."