Who we help
You stopped working at 62. Medicare starts at 65.
The gap between leaving work and Medicare eligibility is the most expensive stretch of health coverage most people will ever buy. It is also the most planned-around, if you know the options.
Leaving work before 65 means buying your own coverage at the age it costs the most, without an employer paying a share of it. For a couple this is regularly the largest line item in an early retirement budget, and it is the one most often underestimated.
There is a lever here that does not exist for most people: marketplace subsidies are based on modified adjusted gross income, and a retiree drawing from different accounts has more control over that number than a salaried worker does. Which account you draw from can change what your coverage costs.
That is a coordination question between your coverage and your withdrawal strategy, and it is genuinely a place where your CPA or financial advisor and your broker should be talking to each other.
Get your free quote
Six fields, about a minute. We come back with what is actually available where you live.
What applies to you specifically
COBRA is a bridge, not a plan
Generally 18 months, at the full unsubsidised premium plus an administrative fee. Sometimes the right answer for a short gap. Rarely the right answer for three years.
Income drives your premium
Marketplace subsidies phase with income. Where retirement income comes from — taxable accounts, Roth, deferred — affects the figure the subsidy is calculated on. Coordinate this with whoever handles your tax planning.
This is not Medicare, and we do not do Medicare
We work the gap up to 65. At 65 you move to Medicare, which is a different market with different rules and different specialists. We will say so rather than pretend otherwise.
Underwriting gets harder with age
If life coverage is part of the plan, the cost of waiting is real and it compounds. Health events do not wait for a convenient year.
Questions we get asked
Can I just stay on COBRA until Medicare?
Does my retirement income affect what I pay for coverage?
Do you handle Medicare when I turn 65?
Read next
Health Insurance
Health insurance options for families, the self-employed and small business owners — plan types, what drives your cost, and the trade-offs between them.
Tax Advantaged Retirement
Retirement strategies built around tax diversification, market exposure and income sequencing — including where Indexed Universal Life may fit alongside a 401(k).
Supplemental Coverage
Accident, hospital indemnity and critical illness explained plainly — what they pay, what they do not, and when they earn their place next to a high deductible.
Coordinating health coverage with retirement withdrawals involves tax considerations specific to your situation. Nothing here is tax advice. Discuss any withdrawal strategy with a qualified tax professional before acting on it.
Next step
Fifteen minutes, and you will know where you stand.
A review is a short conversation about the coverage and savings you already have. We look at what you pay, what it covers, and whether there is a better fit available where you live. No cost, no obligation, and no pitch if nothing needs changing.