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When I retire, can I keep the health plan I have now?

Probably not.

Paying for health insurance has become a huge financial drag for American employers. So over the past 20 years or so, the percentage of big companies offering retiree health benefits has shrunk from 66% to about 35%. And even if your employer currently says that it will cover you when you retire, we're sorry to tell you that there's no guarantee it won't break that promise 10, 20 or 30 years down the line. (You might be able to continue your health coverage for 18 months if you opt for COBRA. )

Your odds of receiving employer-provided health benefits in retirement are higher if you work in the public sector. But given the budget stress that state and local governments are feeling, even public-sector employees are seeing reductions in benefits.

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