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A 65-year-old couple retiring this year will need $220,000 to pay for healthcare for the rest of their lives, an amount that is eight percent less than a year ago, according to a Fidelity Investments report issued Wednesday.

But what they are not telling you is that you will also get less healthcare. Locally there are quit a few physicians opting out of M/M and I don't see that trend slowing down.

Obamacare has reduced the rate of payment increases to hospitals, physicians and health plans.

Its like the cost of a large bag of dog food for my shepherd. A few years ago it was $42 but now is $39. It is also about 7 pounds lighter.

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