7 Smart Health Insurance Options in Early Retirement

Описание: One of the biggest financial challenges in early retirement isn’t income — it’s health insurance.

If you retire before age 65, you’re not eligible for Medicare. That means you’ll need a strategy to bridge the gap — and the wrong choice could cost you thousands of dollars per year.

In this video, we break down 7 smart health insurance options for early retirees, explaining the pros, cons, costs, and real-world trade-offs of each.

We cover:

• Retiree health coverage from your last employer (if you’re lucky enough to have it)
• Affordable Care Act (ACA) marketplace plans — and how income dramatically affects premiums and deductibles
• Part-time jobs that offer health insurance benefits (including companies that cover part-time workers)
• Getting coverage through your spouse’s employer plan
• COBRA — and why it’s usually only a short-term solution
• Medicaid — for those who meet strict income and asset limits
• Healthcare sharing ministries — including important limitations many people don’t realize

You’ll learn how ACA subsidies work, why keeping taxable income low can save you thousands, and how deductibles and out-of-pocket maximums can impact your emergency savings.

We also discuss the uncomfortable truth: there is no perfect solution. Every option involves trade-offs between cost, coverage, flexibility, and risk.

Early retirement is possible — but only if you plan for healthcare properly.
If you’re thinking about retiring before 65, this video will help you understand your real options and avoid costly surprises.

Watch before you make a decision — your future self will thank you.

REFERENCE SOURCES:
Starbucks: https://www.starbucksbenefits.com/en-...
CVS: https://learn.bswift.com/cvshealth-ma...
UPS: https://about.ups.com/us/en/our-compa...
Lowe’s: https://www.benefitspricing.com/lowes...
Costco: https://careers.costco.com/why-costco
Eldercare Resource Planning (Medicaid information): https://www.eldercareresourceplanning...
National Association of Insurance Commissioners (NAIC) (on Healthcare Sharing Ministries):
https://content.naic.org/article/what...

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