It’s not news that health care costs are increasing. Yet several recent studies show that few people factor those rising costs into their retirement plans.Consider this example from an annual report from Fidelity Investments: For a 65-year-old couple retiring this year, the cost of health care in retirement will be $240,000, 6 percent more than that same couple retiring in 2011 would pay. The report assumes that the man will live 17 years and the woman 20. (Read More at CNBC: Retirement Savings Improve, but Not Enough.).