Boomers aren't at all confident about retirement, and consumer-driven health care is only making things worse.

Those are some of the findings of the 2015 Aflac WorkForces Report, which said that, although boomers are more diligent than other age groups in a number of other traditional health care benefits planning categories, CDHC has knocked them for a loop.

They're less likely to understand how it plays out for them, with just 18 percent saying they understand it (compared with millennials, 31 percent of whom say they understand it) and only 24 percent saying they've even heard of it, and to believe it's improving their overall experience. The report also found that boomers are more likely to say they've felt a financial impact from CDHC and to believe, more than other employees, that this trend will continue. And they're not happy about it, believing it will add more uncertainty to retirement concerns.