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If I Retire Early, Should I Buy Health Insurance Through The Health Insurance Marketplace?

Category:
Retirement / Decumulation, Insurance Planning
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Updated 12/1/2023

Health insurance coverage is often a primary concern for your clients who are retiring early.  Understanding and weighing options can be complicated and stressful for early retirees. 

To help make the conversation with clients easier, we have created the “If I Retire Early, Should I Buy Health Insurance Through The Health Insurance Marketplace?” flowchart. This particular flowchart was developed in collaboration with Jeff Levine, and is based on the recent Nerd’s Eye View article he wrote covering this topic. This flowchart considers the following:

  • Medicare eligibility
  • Availability of coverage through your former employer 
  • Coverage under your spouse’s health insurance
  • COBRA considerations
  • The Premium Assistance Tax Credit
Related Guides
What Issues Should I Consider Before I Retire?
Category: Retirement / Decumulation, General, Life Events
Am I Eligible For Medicare Part A And Part B?
Category: Retirement / Decumulation, Insurance Planning, Life Events
Will I Avoid IRMAA Surcharges On Medicare Part B & Part D?
Category: Retirement / Decumulation, Insurance Planning, General
Will I Avoid Medicare Enrollment Penalties?
Category: Retirement / Decumulation, Insurance Planning, Life Events
Will I Be Enrolled Automatically In Medicare?
Category: Retirement / Decumulation, Insurance Planning, Life Events
Will Healthcare Change As I Transition Into Retirement?
Category: Retirement / Decumulation, Insurance Planning, General
Should I Change My Medicare Coverage During Open Enrollment?
Category: General, Retirement / Decumulation, Insurance Planning, Life Events

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