Retirees will spend a significant amount of money on health care. Still, many older Americans don’t plan properly for it.

A healthy male-female couple retiring at age 65 in 2019 can now expect to shell out $285,000 on health-care expenses in retirement, according to Fidelity Investments’ annual analysis.

Two-thirds of retirees said dealing with health issues was among their top worries about retirement, according to a new study by Wells Fargo. Most people assume Medicare will cover their costs, but that is not the case.

Expenses that are not covered by Medicare — dental coverage, basic vision and over-the-counter medicines — would be on top of that $285,000 estimate.

The estimate also excludes long-term care costs.

According to Fidelity, about 15% of the average retiree’s annual costs will be used for health-care-related expenses, including Medicare premiums and out-of-pocket expenses.