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Category:
Insurance Planning

Early Retirement Health Insurance Marketplace Issues

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

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
Health And Life Insurance Policy Issues
Category: Insurance Planning, Client Meetings & Client Service Calendar
Medicare Part A & Part B Eligibility Rules
Category: Insurance Planning, Retirement/Decumulation
Medicare Part B & Part D IRMAA Surcharge Rules
Category: Insurance Planning, Retirement/Decumulation
Medicare Enrollment Penalty Rules
Category: Insurance Planning, Retirement/Decumulation
Medicare Automatic Enrollment Rules
Category: Insurance Planning, Retirement/Decumulation
Healthcare In Retirement Issues
Category: Insurance Planning
Medicare Open Enrollment Decisions
Category: Insurance Planning, Client Meetings & Client Service Calendar, Retirement/Decumulation

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Hundreds of other advisors are actively using fpPathfinder. Read what those lovely people have to say about us.
“I love the flowcharts and have found them very helpful in guiding clients on complicated planning issues. The charts are easy to follow and help navigate through difficult decisions based on clients' unique circumstances.”
— Jason, an advisor in Illinois
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— Michael Kitces, Publisher and Editor-In-Chief at Kitces.com
“My clients and COIs love these. I’ve shown the medicare IRMAA flowchart to a Medicare consultant I work with and she loved it”
— Steve, an advisor in Ohio
“You are making all of our lives easier...and more importantly, our clients.”
— Jeff, an advisor in California
“The charts are probably as much value to me (as advisor) as they are when given to a specific client. I know and understand the topics covered, but it can be a lot faster to refresh with a quick glance at the chart’s decision tree vs having to read through regulations”
— Larry, an advisor in Oregon
“I just met with a client who had a question regarding her eligibility for Social Security benefits. We went through the flowcharts answering each question and following the lines. She looked at me and said 'This is great, it was so much easier to use this than trying to go through all the literature that Social Security offers. Thank you so much.'”
— Ben G, an advisor in Wisconsin
“Our team has really liked the charts and were particularly pleased with the traditional IRA vs. 401k for a business and the QBI chart.”
— Scott, an advisor in Oregon
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