Leaving the workforce just a few years early can lead to tens of thousands of dollars in additional medical costs, according to a report today on CNNMoney.com.

If a couple chooses to retire at age 62 instead of 65, they will face $51,000 in additional medical expenses, according to the report from Fidelity Investments.

The major cause is that Medicare coverage doesn't kick in until age 65, so the couple will most often have to pay for private insurance.

Medical care is still expensive even if you wait until age 65 to retire. A couple retiring at that age can expect to pay an average of $220,000.

It's not a rosy picture for the young, either, according to another CNNMoney.com story. Four in 10 millennials say they are "overwhelmed" by their debt, which is nearly double the share of baby boomers who feel that way, according to a survey of more than 1,600 millennials and 1,500 baby boomers. The study was done by Wells Fargo & Co. 

A total of 47 percent of millennials said they spend at least half of their monthly paychecks on repaying debts. On average, respondents put the biggest piece of their income toward paying credit card bills, followed by mortgage debt, student loan debt, auto debt and medical debt.

The good news, though, is that more than half of respondents said they are currently saving for retirement.