Healthcare Planning
Health coverage before you reach 65
What I can help with
Retiring before 65
Bridging the gap between a job ending and Medicare starting, without paying for more than you need.
Self-employed or between jobs
Understanding what a marketplace plan really costs you once the subsidy is worked out.
Adding dental and vision
What these actually cover, what they don't, and whether they're worth it for your situation.
Retiring at 62 doesn't have to mean paying for coverage twice over.
What a marketplace plan actually costs depends on your income for the year you're covered — not last year's, and not your savings. For someone who has just stopped working, that number is often very different from what they expect.
Where this fits
- Medicare Planning
- Short-Term Care and Critical Illness
- Individual Healthcare Solutions
Health Insurance guides
4 guides · scroll or swipe
- Before 65
Health coverage between leaving work and turning 65
The four real options for the gap years, and why the marketplace one is usually misjudged.
7 minute read - Subsidies
What a marketplace subsidy actually depends on
Your subsidy is decided by the income you'll have this year — a number early retirees often control.
7 minute read - COBRA or ACA
COBRA or the marketplace?
What COBRA really costs once your employer stops paying, and the cases where it's still the right call.
6 minute read - Long-term care
Long-term care, and the gap most people don't know they have
Medicare doesn't cover it. The four ways households handle it, and why timing decides your options.
7 minute read
