The Pre-65 Insurance Gap
Retiring before Medicare? Here are your options.
If you retire before 65, you lose employer health coverage and Medicare has not started yet. This gap catches many early retirees off guard. Your options include COBRA (expensive but familiar), the Health Insurance Marketplace (ACA plans with possible subsidies), a spouse's employer plan, or health sharing ministries. The right choice depends on your income, health needs, and how many years you need to bridge. Do not let this gap derail your retirement timeline.
From Grace
The health insurance gap before Medicare is one of the biggest early retirement hurdles. Let me help you map out your options.