Do I have enough cash to cover my own health care needs in retirement? Here is the simple math you need to figure it out Baby boomer couples should expect to shell out $315,000 during a 20-year retirement for co-pays, deductibles, premiums, prescriptions and other health care costs, according to the Fidelity Retiree Health Care Cost Estimate. That number gets even more daunting when compared to the median retirement savings boomers have set aside. Based on numbers from the Transamerica Center for Retirement Studies, the average 65-year-old has $202,000 socked away, which amounts to a $113,000 shortfall by age 80 — and many retirees will live much longer. Among people…