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

Paying for health insurance has become a huge financial drag for American employers, so very few companies still offer retiree benefits. 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.

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.