A new survey suggests that Americans worry that inflation and the rising cost of health care are increasing the risk that they will run out of money in retirement.

The survey by the Society of Actuaries found that people already retired were most worried about inflation and affording long-term care. Pre-retirees, meanwhile, ranked affordable health care as their top concern, followed by inflation and long-term care coverage.

The study suggests that overall, pre-retirees showed greater worries than those already in retirement.

A supervisor of the biennial report says she was surprised that people weren't more worried.

She says concerns about health care costs, inflation and nursing home care expenses rose strongly in 2003, after the economy went through a recession and the stock market fell sharply.