When you're young and healthy, thinking about your potential health care needs in retirement is probably the furthest thing from your mind. Yet your future financial well-being can depend on it. Many people find it hard to fathom just how much they'll need to set aside to pay for health care after they are no longer working. They're so used to having these costs deducted directly out of their take-home pay-many don't even stop to consider how the dollars add up. Unfortunately, this means many people aren't setting aside enough retirement dollars for their future health care needs. This can seriously undermine their retirement planning efforts.