The Hidden Cost of Early Retirement: Understanding the Pre-Medicare Insurance Gap

Retiring before 65 can be financially achievable—until health insurance becomes the wildcard. Zach Morris sits down with Cole Craven of Move Health to break down the real options for early retirees: COBRA, Affordable Care Act (ACA) marketplace plans, retiree health coverage, off-marketplace private plans, and healthcare sharing programs. They unpack how income drives ACA subsidies through MAGI, why the 400% federal poverty level “cliff” matters, and how cost-share reductions can lower deductibles and out-of-pocket exposure. If you’re within a few years of retirement, this episode helps you plan ahead with clarity.

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