Retirees frequently underestimate just how much health care will cost when they retire. The average couple thinks they will only spend $100,000 on health-care costs in retirement but will actually spend $220,000, according to Fidelity’s annual health-care cost estimate.

Fidelity estimates that a person with a preretirement income of $80,000 who is in poor health will have to replace an average $76,800 of their income because of increased medical costs. A person in excellent health will need $76,600. “You don’t have to spend money on a trip or golf,” John Sweeney, executive vice president of Retirement and Investing Strategies at Fidelity. said. “You can cut back. You can’t do the same for medical expenses.” And if you’re in poor health, you probably won’t be able to get much work to offset additional costs.

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