That's because guaranteed public and private annuities, mainly Social Security and corporate pensions, are sure to decline over time, as is Medicare coverage.

FORBES: Magazine Article

It is our understanding if someone is employed full time by an employer that offers the coverage to their employees, one can't be forced into Medicare for their primary health-care coverage, even though they have reached full retirement age and collect their Social Security benefits.

WSJ: Ask Encore: Answers About Social Security, Insurance and IRAs

If anything, Social Security and Medicare should be expanded to cover the huge gap in retirement savings and health care coverage.

FORBES: Fiscal Cliff Follies: Four Myths