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

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.

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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.

Those purchased through Medigap or Medicare Advantage can help cover the out-of-pocket costs beyond Medicare. The website will help you locate a policy plan in your area that works for you.

3. Shop around for a doctor

The health care marketplace works a bit like shopping for milk at three different supermarkets that prices it at $3, $17 and $220.

The website ClearHealthCosts, founded by former New York Times journalist Jeanne Pinder, allows you to research procedure prices based on zip code.

If you can’t find what you’re looking for, do some good old-fashioned legwork and call around to doctor’s offices or friends and family to identify smart options.

Urgent care and walk-in clinics offer a price-conscious alternative — especially compared to emergency rooms. They also come in handy when a primary care physician isn’t available.