A 65-year old couple retiring in 2019 can expect to spend $285,000 in health-care and medical expenses throughout retirement, compared with $280,000 a year ago, according to a report by Fidelity Investments.

The report, conducted annually and titled Retiree Health Care Cost Estimate, also said for single retirees, the health-care cost estimate is $150,000 for women and $135,000 for men.

The report noted that the past two years combined have seen a slower rise, 3.6 percent, than in 2015 to 2017, which saw the estimate grow to $275,000 from $245,000—up 12.2 percent. Even without the same rate of growth, some retirees are still surprised by today’s cost of health care, the report said.

“Paying for health care—before and in retirement—continues to be top-of-mind for Americans, and understandably so as it’s a cost that can vary significantly by individual and is difficult for many to predict,” Hope Manion, senior vice president at Fidelity Workplace Consulting, said in a prepared statement.

Fidelity said out-of-pocket Medicare costs have leveled for retirees, but many Americans are still not educated on what Medicare does and does not cover.

Fidelity said the data should be a call-to-action to younger generations, a reminder of sorts to take advantage of the investing opportunities available to them. It pointed out that a 35-year-old couple today could potentially save $285,000 in 30 years by investing $2,820 annually in a health savings account.

Fidelity offered these tips for pre-retirees who don’t have 30 more years to save:

• Get up to speed with Medicare: Many Americans assume Medicare is free and covers all their retirement health care expenses. That’s not true, and could be a harsh wake-up call.

• Maximize tax-advantaged savings accounts: Most pre-retirees are already familiar with a 401(k) or 403(b), and this year’s contribution limit for both accounts is $19,000. Those age 50 or older can contribute another $6,000 in catch-up contributions.

• Consider deferring Social Security benefits: Generally speaking, the closer to age 70 an individual can wait to take Social Security benefits, the more they can collect, assuming they live a long life.

• Meet with the employer’s human resource department: While still employed, pre-retirees should find out what health-care benefits, if any, their employer may offer in retirement. Even having access to group coverage or professional support in choosing a Medicare product can be valuable benefits.

• Talk with a financial professional: Long-term care needs are difficult to predict and are not included in Fidelity’s retirement health care cost estimate, so it’s recommended that pre-retirees meet with a financial professional to discuss potential long-term care needs based on their current health, family history and other personal factors.