There is one aspect of health care and health care costs that is controllable amid many that are not: whether people are in good health or not.

If you maintain your health, you'll have the ability in retirement to spend more of your money on fun stuff like travel, or, if you have poor health and continue to make choices to stay that way, you'll spend most of your money on doctor's bills and other less enjoyable expenses. Using the Medicare News Watch website, the difference between out-of-pocket spending for someone in good health, versus someone in poor health, can be over $6,000 annually for a Medicare Advantage plan.

For more detailed information on estimated out-of-pocket costs, check out the Medicare News Watch website.