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Retirement / Decumulation, Insurance Planning

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
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What Issues Should I Consider Before I Retire?
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Will I Avoid IRMAA Surcharges On Medicare Part B & Part D?
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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
Should I Change My Medicare Coverage During Open Enrollment?
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— Deirdre, an advisor in Massachusetts
“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
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— Kate, an advisor in Florida
“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
“In client meetings I'm often sharing a checklist regarding a specific topic, and helping clients understand the planning issues, opportunities, and process all very quickly and efficiently.”
— An advisor in Texas
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