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Let’s be honest—health insurance is expensive, and for many people it’s the number one reason they delay retirement. But you can retire before Medicare if you plan for it and know all your options. Here are 7 ways early retirees cover health insurance before 65: 1️⃣ 💑 Spouse’s Employer Plan → Often the easiest and most affordable move if your partner is still working. 2️⃣ 🧾 COBRA → Extends your old employer coverage up to 18 months, but you pay the full premium—great as a short‑term bridge. 3️
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For sure — the cost of health insurance is one of the main reasons people delay early retirement. And it’s one of the most common questions I get when it comes to early retirement planning. But you actually have several options, and some might be more affordable than you’d expect. Here’s what early retirees use to bridge the gap before Medicare: 1️⃣ Spouse’s Plan Usually the easiest and most cost-effective if your partner is still working. 2️⃣ COBRA Keeps your employer plan for up to 18 months.
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