I think the retirement problem is similar to health insurance, basically the choices made over a lifetime have a consequence when you don't have the ability to change the outcome.
The retirement problem has been "solved" by forced savings into social security, but obviously not everyone chooses to neglect saving for a more comfortable future, and so not everyone has the same standard of living in retirement.
The healthcare problem is not solved because there is legally only 1 standard of care in the US, which encourages free-riding because anyone paying less than the per-capita cost of about $9,000 is being subsidized, and encouraging costs to rise as their use costs less than 100% of the cost.
The only solution other than bankrupting the US government and millions of families along the way is to have costs closer align with what the user pays. I think different tiers of care will have to exist for people to chose from.
I think drugs like Provenge can't be part what is publicly subsidized if we want healthcare to be affordable for most people.
Provenge extended median survival by 4.1 months compared to control and costs $100,000 and Medicare spent $183,000,000 on just that drug in 2013. That spending could have paid for 5x the families entire healthcare costs for a year and it was squandered. I'm sorry but another 4 months of life beyond 65 are meaningless for me, especially with what good could be done with that money. Literally 9,150 FAMILIES could have had annual market-price healthcare for what was spent on 1,830 old men living a couple more months.
A line has to be drawn for public healthcare in dollars per life years, something like $50,000 or even $100,000 could have dramatic savings. And people would be free to pay for it, but we're running out of money, healthcare is already 20% of the economy and rapidly rising.
The game will be changing soon, hopefully it will get better instead of worse.