Sixty-five percent of Americans are confident they have saved enough — or will save enough — to retire comfortably, yet this confidence is tempered by worries over healthcare costs. In fact, the high cost of care is the top reason many aren’t saving as much as they would like to now, and it tops the list of future worries. 

Those conclusions are among the major findings of a new nationwide poll by Kiplinger’s Personal Finance and Personal Capital, a wealth-management company.

The poll of investors between the ages of 35 and 64 also finds that younger Americans are more actively preparing for retirement than those over 50. For example, they are more likely to contribute the maximum to their workplace retirement plan and are more likely to have a health savings account. They are also more open to alternative ways to fund retirement, such as purchasing an annuity, applying for a reverse mortgage, or relocating in retirement.

Other results of the survey, which was conducted in November 2018, include:

• Financial confidence: 39 percent are somewhat confident that they have saved or will save enough to retire comfortably; 26 percent are very confident.
• Primary concerns: 22 percent are worried about high healthcare costs in retirement, 18 percent are worried about not having enough money to live comfortably, and 16 percent worry about running out of money.
• Work expectations: 85 percent of those under and 67 percent of 50-and-overs expect to work full-time as long as possible before retiring.
• Social Security: 54 percent are confident that Social Security will provide the income they expect.
• Average savings: Americans are saving 13.3 percent of their annual income for retirement.
• Retirement living: 72 percent with a mortgage expect to pay it off by retirement; 34 percent plan to relocate for retirement.