Single women age 65 retiring in 2009 will have to tack on an additional 16 percent to health care expense estimates from 2008.

A newly released report from the Employee Benefit Research Institute finds women alone will need anywhere from $98,000 to $242,000 in savings to cover health insurance premiums and out-of-pocket expenses in retirement for a 50-50 chance of having enough money, and $164,000 to $450,000 for a 90 percent chance.

Men, on the other hand, will need $68,000 to $173,000 if they want a 50-50 chance, and $134,000 to $378,000 for a 90 percent chance as they are not expected to live as long.