Tuesday Mar 04, 2025

Health Insurance Options for Early Retirement: What You NEED to Know

Thinking about early retirement but worried about health insurance? You’re not alone! Healthcare costs are one of the biggest reasons people delay retirement. But don’t let that stop you!

In this episode of Early Retirement Roadmap, I break down all your options for staying covered before Medicare, including:
✅ COBRA – Keep your employer’s plan (but at what cost?) 💼
✅ ACA Marketplace Plans – Subsidies that can make coverage more affordable 💵
✅ Private Insurance – Is it worth the higher cost? 🤔
✅ Short-Term Plans – A risky but potentially viable bridge to Medicare ⏳
✅ Part-Time Work with Benefits – Companies that offer insurance for fewer hours 🏢
✅ Creative Solutions – Health sharing plans, expat insurance, and HSAs ✈️

Plus, I’ll explain how taking care of your physical health can also protect your financial health in retirement!

👉 Resources & Links mentioned:

1. COBRA Information - Click here to learn more about COBRA continuation coverage and eligibility requirements

2. Affordable Care Act (ACA) Marketplace: Click here to find out about ACA plans and check your eligibility for subsidies

3. Private Health Insurance - Compare private insurance options via ehealthinsurance.com or healthcare.com

4. Also, can go to ehealthinsurance.com to view short-term health insurance options too

5. Health sharing programs, Medishare, Zion Health & Christian Health Ministries

6. International health insurance options, Cigna Global & internationalinsurance.com

7. Click here for IRS Info about Health Savings Accounts

8. Click here for a list of employers that offer part-time jobs with health benefits

🎙️ If you found this podcast helpful, please subscribe & leave a review or support this new podcast show by buying me a cup of coffee here!

🎥 Prefer a visual breakdown? Click here to watch this episode on my YouTube Channel: Early Retirement Roadmap.

Health Insurance Options for Early Retirement: What You NEED to Know

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