Not 65 Yet? You Still Have Options.
Retiring before age 65 can create an important question:
What do I do for health insurance until Medicare begins?
Whether you’re retiring early, leaving an employer health plan, self-employed, or your spouse is transitioning to Medicare before you, we’ll help you understand the coverage options available to bridge the gap to age 65.
Healthcare Options for the Under-65 Years
Depending on your health, income, location, and coverage needs, options may include:
Private PPO & EPO Health Plans
Nationwide Provider Networks
ACA Marketplace Coverage
COBRA
Short-Term or Bridge Coverage
Dental & Vision Coverage
Supplemental & Critical Illness Protection
For relatively healthy individuals who don’t qualify for significant ACA subsidies, private health plans can sometimes provide an attractive alternative to Marketplace coverage. Some plans offer access to large PPO or EPO networks with coverage for doctor visits, hospitalization, surgery, preventive care, labs, imaging, and prescriptions.
Especially Important for Couples Turning 65 at Different Times
One of the most common situations we help with is when one spouse becomes eligible for Medicare while the other is still under 65.
The spouse turning 65 may transition to Medicare, while the younger spouse still needs individual health coverage for several months—or even several years.
That’s where having experience with both Medicare and Under-65 health insurance matters.
Instead of treating these as two separate decisions, we can help coordinate the transition and build a healthcare strategy for both spouses.
Coverage That Fits Your Retirement Lifestyle
If retirement includes traveling, spending part of the year in another state, visiting family, or simply wanting more freedom to choose your doctors, your provider network matters.
We can help you evaluate plans with broader provider access and determine whether your doctors, hospitals, prescriptions, and travel needs fit the coverage you’re considering.
There Is No One “Best” Health Plan
The right coverage depends on your individual situation.
We’ll help you compare your options based on:
Your doctors and preferred hospitals
Prescription medications
Current health
Expected healthcare needs
Where you live and travel
Monthly premium
Deductibles and out-of-pocket exposure
How long you need coverage before Medicare
The goal isn’t simply to find the cheapest plan.
It’s to find the right balance of coverage, flexibility, and cost for the years leading up to Medicare.
Let’s Build Your Bridge to Medicare
You don’t have to wait until 65 to start planning your healthcare transition.
We’ll help you understand your options today and how your coverage can transition when Medicare begins.
Schedule a complimentary consultation to discuss your situation and determine the next step.