Health Insurance for Early Retirement
If you or a family member are in need of health coverage before Medicare, an individual health insurance plan may be the right option. Schedule your free, 20-minute assessment with an expert advisor.
Don't let health insurance hold you back from enjoying early retirement.
Early retirement is a dream come true for many! On the other hand, navigating non-employer health insurance options on your own for the first time can be stressful, time consuming, and potentially very costly.
Fortunately, you don’t have to go it alone. If you or your spouse are considering early retirement, we will provide personalized guidance and will help you find a plan that’s right for you or your whole family, regardless of your age. Then when the time comes to transition to Medicare, we’ll continue to assist you through that process. We can help provide coverage "to and through" Medicare with ease!
Schedule Your Free 20-Minute Assessment
- We compare individual health plans for you in a quick, free 20-minute session
- Save Time & Money: Get personalized options and potentially save hundreds on premiums
- Expert Guidance: Our 20-minute assessment tailors plans to your needs and budget
- Stress-Free Comparison: Skip the confusion. We simplify health insurance shopping
Understand the Basics
In general, there are two main types of health insurance plans that apply to most individuals before Medicare.
Marketplace Plans
A plan from the Health Insurance Marketplace, commonly referred to as Affordable Care Act (ACA) plans, provides private health coverage for individuals or families without employer-sponsored coverage. A Marketplace plan may be the right option if you need coverage for more than one year. These plans provide preventive services at no cost and never ask about previous or current medical conditions.
The monthly cost is individualized and is based on the estimated income of all household members. Most households qualify for tax credits, which is a subsidy based on household size and income. This tax credit could reduce your monthly insurance premium for a Marketplace plan. There is an income number called Modified Adjusted Gross Income (MAGI) that determines the amount of premium subsidy assistance from the government. Learn more about tax credits here or watch the video below.
Short-Term Plans
Short-term plans may be the right option for you if you need coverage for less than a year. These plans often help individuals bridge the gap until their Medicare eligibility. Short-term plans are intended to be used for unexpected and unanticipated medical needs, not for planned care. They do not cover preventive care services. These plans are medically underwritten, meaning you must qualify to be accepted, and do not cover pre-existing conditions.
Additional Coverage Available
We can help you enhance your health plan by adding the following:
- Dental benefits
- Vision coverage
Hospital Indemnity coverage, which helps with hospital copays. Benefits are paid directly to you to reduce medical or personal costs of a hospital stay.
Find a health plan that's right for you.
Schedule a free 20-minute assessment.
Nine out of 10 clients would recommend us to a friend.
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