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            well as doctor visits and hospitalization,  which  can sometimes

            amount to thousands  of dollars in annual out-of-pocket  costs.


               Decline of Job-based Health Care Insurance
               2008 - 2017


              60%  56.4%
                          55.0%  53.8%
                                       51.0%  50.1%  49.9%
              50%                                         47.5%              46.9%
                                                                45.3%  56.4%

              40%

              30%


              20%

              10%


               0%
                    2008  2009   2010  2011  2012   2013  2014   2015  2016   2017


            Source: Fronstin, Employee Bene t Research Insitute, EBRI Issue Brief, August 2018
























                         Chapter 5: Things That Can Wreck Your Retirement
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