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In the wake of a major economic downturn, falling housing prices, and rising insurance costs, American workers have become fearful that they won't be able to pay for their own medical health insurance in the future.

According to Kaiser's Daily Health Policy Report, the Employee Benefit Research Institute's annual survey found that 22% of respondents currently working said they are "concerned about not having enough savings to cover medical expenses during retirement," while 27% are concerned about long-term care costs.

And those who are already retired are also afraid of potential medical health insurance costs, with 15% of them saying they are worried they did not have enough savings to cover medical expenses, and 28% saying they are concerned they did not have enough savings to pay for long-term care.

And it's no surprise they're so nervous, especially since today's retirees are spending around $250,000 per couple for health care alone. Only 12% of workers claim to have saved that much.

Ways to lower your costs include making healthy lifestyle decisions, like keeping cholesterol down, eating right, not smoking, and getting exercise. It's also important to have good medical health insurance, or Medicare supplemental health insurance, in order to offset some of the costs of sickness or long term care.