Fidelity Investments, a leading provider or employer benefits, recently announced the first-ever decline of its annual estimate of future health care costs for retired couples. The estimated $230,000 required for a 65-year-old couple for medical expenses from the present through the remainder of their lives represents an 8 percent decline from last year’s estimate.

Is technology and innovation playing a part in this decline?

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With the passage of the Patient Protection and Affordable Care Act (PPACA) in March 2010, health care reform is now the law of the land — or at least it will gradually become the law of the land, unless it is changed or repealed. If the bill remains relatively intact many of the most sweeping changes won’t take effect or be fully implemented until 2014, with some aspects of the legislation not taking effect until 2020.

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