“We do not want to scare people but people need more education and need to be more realistic about planning for health-care costs in retirement. They need advice from advisors who understand these issues,” Carter says.
My colleagues and I have been speaking and publishing about this for years. The ACA is important, but the bigger story is Medicare. That will negate all the 'brilliant' planning the so-called experts have done. In other words, most financial plans will be used against you.
http://www.amazon.com/What-Dont-Know-About-Retirement-ebook/dp/B00GBF6NP4/ref=tmm_kin_swatch_0?_encoding=UTF8&sr=1-2&qid=1386789450