How do you get healthcare when retiring early?
Pre-65 retirees typically use: (1) ACA marketplace plans with subsidies if income is under ~400% of poverty level, (2) COBRA from a former employer for 18 months, (3) spouse's plan if applicable, (4) self-directed health plans (HSAs paired with high-deductible insurance).
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Pre-65 retirees typically use: (1) ACA marketplace plans with subsidies if income is under ~400% of poverty level, (2) COBRA from a former employer for 18 months, (3) spouse's plan if applicable, (4) self-directed health plans (HSAs paired with high-deductible insurance). The exact answer depends on your specific situation — the numbers above are a strong starting point, but the right next step is to plug in your actual figures.
For a deeper analysis, use one of the related tools below — they take your specific income, debt, location, and goals as inputs and produce a tailored answer.