Retirement has a way of being a surprisingly expensive period of life. That's because many of the costs people encounter during their working years don't go away in retirement. And some expenses have the potential to increase.

Healthcare is one of them. Health issues tend to arise with age, and many seniors inevitably find that they're liable for many out-of-pocket costs under Medicare. That's why paying for healthcare tends to be such a big source of stress for older Americans.

In fact, a recent survey by HSA Bank found that 33% Americans aren't sure how they'll cover medical costs once retirement rolls around. If you're part of that statistic, then it could pay to start funding an account that's earmarked for medical bills specifically.

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Source Fool.com