The harsh reality for a couple retiring at age 65 this year is that they will need a small fortune just to cover their medical expenses in retirement. But as employers look to exit the retiree health care business, health savings accounts and private exchanges are emerging as viable alternatives to help retirees with their health care expenses.

AT&T recently announced it would join Aon Hewitt’s private retiree health exchange. The communications giant joins companies such as Time Warner and IBM that have taken a similar stance toward moving retirees to private exchanges.  

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