Even affluent baby boomers are ‘terrified’ about health-care costs in retirement, according to the Nationwide Retirement Institute survey released Wednesday.

Sixty-two percent of those surveyed say they are terrified of out-of-control health care costs and 72 percent say health-care costs are their top concern for their retirement years, the survey shows.

The survey included 801 people over age 50 who have at least $150,000 in household income.

The solution, according to 26 percent, is to keep working in retirement, according to the survey, but only 3 percent actually manage to do that, says John Carter, president of Nationwide’s retirement plan business.

An area of concern revealed by the survey is that 64 percent of boomers feel the Affordable Care Act will be a drain on the U.S. economy and a detriment to their employers. In addition, 61 percent say they wish they understood Medicare better.

Despite these concerns, a vast majority (77 percent) of affluent boomers have not discussed their health-care costs during retirement with a financial advisor.

“This is a great opportunity for advisors to help clients plan for retirement,” Carter says. Planning for health-care costs “can deepen the relationship an advisor has with a client.”

The survey shows that “even America’s affluent workers don’t know how they will fund their health-care costs in retirement and they don’t expect Obamacare will help them,” Carter adds. “The attention the ACA has received in the past year has increased awareness of health-care costs. We think that’s a step in the right direction, and what Americans need now is a plan to adequately prepare for those costs. It is possible. However instead of making a plan, too often the plan is to just continue working.”

Advisors also can help clients with their Medicare coverage. Sixty-one percent wish they understood Medicare coverage better. Nearly two-thirds did not know Medicare does not cover long-term care costs, the survey says.

Nationwide offers advisors tools to help them discuss complicated health care issues with clients. Additional information can be found at www.nationwidefinancial.com/healthcare.