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When it comes to saving for health-care costs in retirement, women need to set aside more—almost 20% more, on average—to cover their medical bills in the final years of their lives. That is the conclusion of a report released Wednesday by HealthView Services, a Danvers, Mass., company that provides retirement health-care cost data and tools to financial advisers. The reason for the gap is simple: longevity. On average, women live about two years longer than men. As a result, a 65-year-old woman has a life expectancy of 89, versus 87 for a man of the same age. (Tergesen, 12/7)

As health insurance deductibles rise, employers are offering workers special policies to help cover out-of-pocket costs. For many workers, paying for health care has become such a difficult budgeting exercise that the insurance industry is marketing additional products to help. So-called gap insurance, also known as supplemental or voluntary insurance, provides extra coverage for things like hospital stays, unexpected accidents or treatment for acute illnesses such as cancer or heart disease. The policies help cover the cost of high deductibles or copays for treatment—the gap that employees face before their health insurance kicks in. (Silverman, 12/6)