The vast majority of older Americans say they worry about health care costs in retirement — here are 3 easy steps to take now if you’re one of them

The survey of 1,000 U.S. residents of retirement age found that, when it came to health costs in three different categories, respondents reported that they’re most worried about Medicare/Medicaid cuts (83%), general health care expenses (77%) and long-term care expenses (73%).

Those fears aren't unfounded, either. Research from RetireGuide showed that the national annual median cost for private rooms in a nursing home is $108,405.

If you’re worried, here are three steps you can take now to fend off the financial fears and face the future with far less stress.

1. Start a Health Savings Account

Just like an IRA or 401(k), a Health Savings Account or HSA can grow funds tax-free.

You can withdraw at any time to cover qualified expenses, in addition to deductibles, co-payments and co-insurance. In addition, you can sign up when you belong to an HSA-eligible plan (sometimes called a High Deductible Health Plan, or HDHP).

HSA signup is offered through banks, credit unions, and other financial institutions.

2. Enroll in Medicare and supplement it

Once you are enrolled in Medicare (the federal health insurance program for people 65 and older), you’ll be covered for a range of possible expenses, from inpatient hospital stays to hospice and home health care.

However, you’ll have to pay a premium to participate in Medicare Part B, which covers doctors' services, outpatient care, medical supplies, and preventive services. Then, take it a step further and consider supplemental insurance.