If you plan on retiring early, you may not have to worry about work, but you may need to think about health insurance. If you retire before you’re eligible for Medicare at 65, you may want to consider buying health insurance to bridge the gap in coverage.

If you choose to buy a health insurance product before enrolling in Medicare, eHealth is here to help you with the transition! If you need help choosing a pre-Medicare health insurance option, our licensed agents are more than capable of finding the right plan for you and your family.

What is early retirement health insurance?

Early retirement health insurance refers to health coverage options available to individuals who retire before the age of 65, the age at which they become eligible for Medicare. This type of insurance is crucial because it bridges the gap between losing employer-sponsored health coverage and gaining Medicare eligibility.

Retiring before 65 means losing access to employer-based health insurance, which can leave a significant coverage gap. Without a substitute plan, early retirees might face high out-of-pocket healthcare costs, risking both their health and financial stability. Early retirement health insurance ensures continuous coverage during these years, protecting retirees from the potentially exorbitant costs of medical care and emergencies.

This coverage can come from various sources, such as COBRA, which extends employer coverage for a limited period, individual health insurance plans purchased through the Affordable Care Act (ACA) marketplace—often with available subsidies based on income—or private insurance plans specifically designed for early retirees. Securing this insurance is essential for maintaining health and financial security until Medicare coverage starts.

Key considerations before retiring early

Before embarking on the path to early retirement, there are several critical factors to contemplate. Retiring early is a goal that many individuals aspire to achieve, but it necessitates meticulous planning and thoughtful consideration to guarantee financial security and a satisfying retirement lifestyle. In this guide, we’ll explore key considerations that can help you make informed decisions about early retirement, covering financial stability, healthcare coverage, debt management, budgeting, investments, and much more to set you on the path to a successful early retirement journey.

Understanding Medicare eligibility and timing

In most cases, you will qualify for Medicare once you turn 65. If you’re under 65, you may be able to enroll in Medicare if you have:

• ESRD (End-Stage Renal Disease)
• ALS (also called Lou Gehrig’s Disease)
• A disability and have been receiving Social Security benefits for at least 24 months.

It’s important to note that if you retire early and are not yet 65, you’ll need to explore other healthcare options until you become eligible for Medicare. This may involve purchasing private health insurance, obtaining coverage through a spouse’s employer-sponsored plan, or exploring government assistance programs like Medicaid.

Timing plays a critical role in your Medicare enrollment. If you’re approaching your 65th birthday or meet the disability criteria, it’s essential to understand the initial enrollment period for Medicare, which typically begins three months before your 65th birthday month and lasts for three months afterward. Missing this enrollment window may result in delayed coverage and potential penalties, so careful planning and timely enrollment are key to ensuring you have healthcare coverage when you need it.

Financial planning for healthcare costs

Financial planning for healthcare costs is a critical aspect of retiring early. Before embarking on an early retirement journey, it’s essential to consider your potential healthcare expenses and create a comprehensive plan to address them. This involves not only estimating your healthcare costs but also identifying the specific aspects of healthcare that you’ll need to pay for.

Some key considerations for financial planning in healthcare costs when retiring early include:

• Health Insurance Premiums: You’ll need to budget for health insurance premiums, whether through a private plan, the Health Insurance Marketplace, or other sources. Understand the costs associated with your chosen coverage and ensure it aligns with your healthcare needs.
• Out-of-Pocket Expenses: Plan for out-of-pocket costs such as deductibles, copayments, and coinsurance. These can vary based on your insurance plan and the healthcare services you receive.
• Prescription Medications: Consider the costs of any prescription medications you require and ensure they are covered by your insurance plan. Explore generic alternatives to manage costs when possible.
• Preventive Care: Budget for preventive care services like screenings, vaccinations, and wellness check-ups. Many insurance plans cover these services at no additional cost, but understanding what’s included is crucial.
• Specialized Care: If you have specific health conditions or require specialized care, account for the associated expenses. This may include consultations with specialists or ongoing treatments.
• Emergency Medical Costs: Plan for unexpected medical emergencies or accidents. An emergency fund can help cover unexpected healthcare expenses.
• Long-Term Care: Consider the potential need for long-term care or nursing home facilities in your retirement years. Long-term care insurance or alternative financial strategies may be necessary.
• Medicare Transition: Understand the timing of your transition to Medicare, as this may involve additional premiums, deductibles, and copayments.
• Retirement Account Withdrawals: If you plan to use retirement accounts to cover healthcare costs, develop a strategy for withdrawals to minimize tax implications and penalties.
• Medicaid or Other Assistance Programs: Explore eligibility for government assistance programs like Medicaid if your income and assets fall within certain limits.
• Health Savings Accounts (HSAs): If you have an HSA, consider how it can be used to cover eligible healthcare expenses tax-free.
• Inflation: Account for the impact of inflation on healthcare costs, as expenses tend to rise over time.

By carefully assessing your healthcare needs, researching available insurance options, and creating a comprehensive financial plan, you can better prepare for healthcare costs during your early retirement. Seeking guidance from financial advisors or healthcare experts can also provide valuable insights and ensure that your retirement plan addresses your unique healthcare needs and expenses.

Early retirement health insurance options

You have a few options for finding health insurance if you choose to retire before you can age in to Medicare. Unless you can get insured through your spouse’s health insurance, you may want to consider the health insurance Options outlined below.

COBRA

The Consolidated Omnibus Budget Reconciliation Act, or COBRA, is a law that allows employees – or an employee’s dependents – to keep their group coverage through their former employer’s health insurance plan. COBRA lasts for 18 months after the employee has left the company and it can be extended in some cases. If retiring 18 months before becoming eligible for Medicare, this could be a great option for health insurance for an early retiree.

COBRA allows you to keep your current insurance. This means that you don’t have to worry about any changes to your coverage or your network – so you can typically expect to keep your same doctors and pharmacies.

It’s important to note that only companies with at least 20+ employees must comply with COBRA and that it may be expensive.

Short-Term Health Insurance

A temporary option with less coverage is to short-term health insurance.

Short-term health insurance is an option that you have in most states. It is a cheaper alternative to buying your own individual or family health insurance policy that may help bridge a short gap between retiring and enrolling in Medicare, typically for up to three months with an option to renew for one addition month if you qualify.

This temporary, limited policy offers fewer benefits and federal protections compared to more comprehensive health insurance options available on HealthCare.gov. It may exclude coverage for preexisting conditions such as diabetes, cancer, stroke, arthritis, heart disease, and mental health and substance use disorders. Additionally, the policy might not cover essential health services including prescription drugs, preventive screenings, maternity care, emergency services, hospitalization, pediatric care, and physical therapy. There is often no cap on what you pay out-of-pocket for care, and you won’t qualify for federal financial assistance to help with premiums and out-of-pocket costs. Furthermore, this type of insurance does not need to meet federal standards for comprehensive health coverage.

While this temporary option offers less comprehensive coverage it may help you avoid steep health care bills in certain worst case scenario situations, such as accidents or unforeseen illnesses, before you’re eligible for Medicare.

Medicaid

To qualify for Medicaid, you must meet a certain income requirement. You also must be a U.S. national, citizen, or have certain immigration status.

It’s important to note that if you qualify for Medicaid, this may be your cheapest option for health insurance. Though it is important to note that unlike Medicare, Medicaid is not accepted by almost 90% of doctors. This may mean you need to switch doctors or pharmacies.

Part-Time Job

While it may sound silly, finding a part-time job that offers health insurance benefits is a great way to find health insurance before Medicare.

If you have found that you have too much free time on your hands, going back to work part-time is a great way to not only keep busy but to get health insurance before Medicare. Part-time jobs are typically less demanding than full-time jobs and require less commitment.

This could be a great opportunity to delve into a field that you want to know more about, do something you’ve always loved, or turn a hobby into an income stream while getting health insurance coverage before Medicare!

Individual and Family Health Insurance

In some cases, buying your own health insurance may be your only – or best – option for finding coverage before you age into Medicare.

Navigating the health insurance marketplace can be difficult, especially if you’ve only received health insurance through your employer in the past. But eHealth is here to guide you through it!

You can enroll in health insurance during the annual open enrollment period, which runs from November 15th through December 15th, in most states, for coverage starting on January 1st of the following year. However, you will likely qualify for a special enrollment period when you retire – this 60 day enrollment period allows you to enroll in health insurance anytime of the year.

Medicare for early retirees

Whether you’re already 65 or planning for early retirement, understanding Medicare is crucial. If you’re retiring before 65, you’ll need alternative healthcare coverage until you qualify for Medicare. As you approach the age of 65, prepare for the transition to Medicare during the Initial Enrollment Period. Enrolling during this window is essential to avoid potential coverage gaps and penalties. Be sure to explore Medicare’s various parts and plans to choose the right coverage for your healthcare needs, as it plays a pivotal role in your retirement healthcare strategy.

Eligibility criteria

Eligibility for Medicare in the United States primarily revolves around age and certain medical conditions. Here’s an overview of the eligibility criteria for Medicare:

1. Age Eligibility: Most individuals become eligible for Medicare at the age of 65. This initial enrollment period begins three months before the month of your 65th birthday and extends for three months afterward.
2. End-Stage Renal Disease (ESRD): You can qualify for Medicare if you have End-Stage Renal Disease (ESRD), which is permanent kidney failure requiring dialysis or a kidney transplant. In this case, Medicare coverage can start regardless of your age.
3. Amyotrophic Lateral Sclerosis (ALS): Also known as Lou Gehrig’s Disease, ALS automatically qualifies you for Medicare, regardless of your age. Coverage begins the same month as your Social Security Disability Insurance (SSDI) benefits.
4. Disability and SSDI: If you have a disability and have been receiving Social Security Disability Insurance (SSDI) benefits for at least 24 months, you’ll become eligible for Medicare. This provides healthcare coverage for individuals with long-term disabilities before they reach the age of 65.
5. Qualifying for Premium-Free Part A: Some individuals may qualify for Medicare Part A (hospital insurance) without paying premiums if they or their spouse have paid Medicare taxes while employed. This typically requires at least ten years (40 quarters) of Medicare-covered employment.

It’s essential to be aware of the specific timing and eligibility requirements for the different parts of Medicare, including Part A, Part B (medical insurance), Part C (Medicare Advantage), and Part D (prescription drug coverage). Enrolling during your Initial Enrollment Period is crucial to avoid late enrollment penalties and ensure that you have comprehensive healthcare coverage when you need it.

Enrollment process

The enrollment process for Medicare involves specific timing and steps to ensure you have healthcare coverage when you need it. Here’s a brief overview:

1. Initial Enrollment Period (IEP): Your IEP begins three months before your 65th birthday month and lasts for three months afterward. During this seven-month window, you can enroll in Medicare Parts A and B.
2. General Enrollment Period (GEP): If you missed your IEP, you have another chance to enroll during the General Enrollment Period, which runs from January 1 to March 31 each year. However, coverage will start on July 1 of that year, and late enrollment penalties may apply.
3. Special Enrollment Period (SEP): Some individuals may qualify for a Special Enrollment Period, allowing them to enroll in Medicare outside of the initial and general enrollment periods. SEPs typically apply to individuals who have group health coverage through an employer, union, or other qualified source.
4. Enrollment for Medicare Advantage and Part D: If you wish to enroll in a Medicare Advantage plan (Part C) or a Medicare Prescription Drug Plan (Part D), you can do so during your Initial Enrollment Period, General Enrollment Period, or a Special Enrollment Period.
5. Automatic Enrollment: If you’re already receiving Social Security or Railroad Retirement Board (RRB) benefits when you turn 65, you will be automatically enrolled in Medicare Parts A and B. You’ll receive your Medicare card in the mail.

It’s important to be aware of the specific deadlines and enrollment periods to avoid potential late enrollment penalties and gaps in coverage. Planning ahead and enrolling during the appropriate window ensures that you have comprehensive Medicare coverage when you need it, whether you’re turning 65 or qualify for Medicare due to a disability or specific medical conditions.

Decoding Parts A, B, C, and D of Medicare

Understanding Medicare Parts A, B, C, and D is essential for making informed decisions about your healthcare coverage in retirement. Here’s a brief overview of what each part entails:

• Medicare Part A (Hospital Insurance): Part A primarily covers inpatient hospital care, skilled nursing facility care, hospice care, and some home health services. It’s important for hospital stays and related care.
• Medicare Part B (Medical Insurance): Part B covers a wide range of medical services, including doctor’s visits, outpatient care, preventive services, and durable medical equipment. It’s crucial for general medical needs and services outside of a hospital setting.
• Medicare Part C (Medicare Advantage): Also known as Medicare Advantage, Part C offers an alternative way to receive Medicare benefits through private insurance companies. These plans often include Parts A and B coverage and may offer additional benefits like prescription drug coverage (Part D) and dental or vision care. Understanding Part C is vital if you’re considering this alternative approach to Medicare.
• Medicare Part D (Prescription Drug Coverage): Part D provides coverage for prescription medications. It’s essential if you require ongoing medications, as it helps reduce the cost of prescription drugs.

Each Medicare part plays a distinct role in your healthcare coverage, and understanding them is crucial to ensure you have the right combination of coverage to meet your specific needs. Whether you choose Original Medicare (Parts A and B) with or without additional coverage, or opt for a Medicare Advantage plan (Part C), being informed about these parts allows you to make choices that align with your health and financial goals in retirement.

Early retirement health insurance costs

Transitioning into early retirement involves careful financial planning, especially when it comes to healthcare costs before becoming eligible for Medicare. Understanding the expenses associated with early retirement health insurance is crucial for managing your budget effectively during this period. This section explores the various costs you’ll need to consider as an early retiree, including premiums, deductibles, copays, and potential out-of-pocket maximums, along with how these factors can significantly impact your retirement savings and spending.

Factors influencing early retirement health insurance costs

When planning for health insurance in early retirement, several factors can significantly affect the costs of your coverage. Here’s a breakdown of the key elements to consider:

• Age and Health Status: Generally, premiums increase as you age due to the higher risk of health issues. Your health status can also impact costs, with pre-existing conditions potentially leading to higher premiums or influencing the type of coverage you can obtain. Insurers consider these factors to assess the risk and determine your insurance rates.
• Geographic Location: The cost of health insurance varies widely depending on your state and region. This variation is due to differences in state regulations, the cost of living, and the level of competition among insurance providers in the area. For example, urban areas might have higher insurance costs than rural areas due to higher medical costs in cities.
• Plan Type and Coverage Level: The type of plan you choose (such as HMO, PPO, or EPO) and the level of coverage can significantly affect your premiums, deductibles, and out-of-pocket costs. Plans with broader coverage and lower out-of-pocket costs generally have higher premiums, while high-deductible plans might offer lower monthly premiums but higher overall potential costs.
• Income and Subsidies: Your income plays a crucial role in determining your eligibility for subsidies and tax credits, which can substantially lower your insurance costs. Through the Affordable Care Act (ACA) marketplace, lower to middle-income early retirees may qualify for premium tax credits that reduce monthly premiums, or cost-sharing reductions that lower the cost of deductibles, copays, and coinsurance.

Considering these factors can help you better understand and anticipate the costs associated with early retirement health insurance, allowing for more accurate financial planning and a smoother transition into this new phase of life.

Ways to save on early retirement health insurance costs

Navigating the expenses associated with early retirement health insurance requires strategic planning and knowledge of available resources. Here are effective ways to manage and potentially reduce these costs:

• Government Programs: Utilize government assistance such as ACA subsidies and Medicaid, which can significantly reduce your insurance costs. ACA subsidies are available through the Health Insurance Marketplace and are designed to lower your monthly premiums based on your income level. To apply, visit the official ACA website during open enrollment or after qualifying life events. For Medicaid, check eligibility guidelines as they vary by state; if you qualify, Medicaid can offer low-cost or free coverage, especially beneficial for retirees on a limited income.
• Choosing the Right Plan: Selecting an appropriate health insurance plan is crucial. Balance your coverage needs with affordable premium costs by comparing different plans on the Health Insurance Marketplace. Consider factors like deductibles, out-of-pocket maximums, and network types (such as HMOs or PPOs). Plans with higher deductibles often have lower monthly premiums but may lead to higher overall expenses for healthcare services, making them suitable for those with fewer medical needs.
• Wellness Programs and Preventive Care: Engaging in wellness programs and preventive care can significantly lower health costs over time. Many insurance plans offer discounts or improved terms for enrollees who participate in health assessments, smoking cessation programs, or routine preventive screenings. These programs not only contribute to lower immediate healthcare costs but also promote long-term health, potentially reducing the need for costly medical interventions.

By exploring these avenues—government assistance, strategic plan selection, and preventive healthcare measures—you can manage and reduce the financial burden of health insurance in early retirement, ensuring both your health and financial well-being are maintained.

Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs)

Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) are financial tools designed to help individuals and families manage healthcare expenses more efficiently. These accounts offer tax advantages and the flexibility to set aside funds for various medical costs. Understanding the differences and benefits of HSAs and FSAs is essential for making informed decisions about how to best allocate your healthcare dollars and save on taxes. In this section, we’ll delve into the key features, eligibility criteria, contribution limits, and potential uses of both HSAs and FSAs to help you navigate these valuable resources effectively.

Benefits of HSAs for early retirees

Health Savings Accounts (HSAs) offer numerous benefits for early retirees, making them a valuable tool for managing healthcare expenses and saving for the future. Here are some key advantages of HSAs:

1. Tax Advantages: Contributions to HSAs are tax-deductible, reducing your taxable income in the year of contribution. Additionally, the interest or investment gains in the account grow tax-free.
2. Triple Tax Benefits: HSAs provide a unique triple tax benefit. Contributions are tax-deductible, earnings grow tax-free, and withdrawals for qualified medical expenses are tax-free, making HSAs one of the most tax-efficient savings options available.
3. Long-Term Savings: Unlike Flexible Spending Accounts (FSAs), HSAs have no “use it or lose it” rule. Any unused funds in your HSA roll over from year to year, allowing you to accumulate savings for future healthcare needs.
4. Portability: HSAs are yours to keep, even if you change jobs or retire. This portability means you can continue to use the account for healthcare expenses in retirement.
5. Investment Opportunities: Many HSAs offer investment options, allowing you to grow your contributions over time. This can be especially beneficial for early retirees who want to maximize their savings for future medical costs.
6. Retirement Planning: After age 65, you can use HSA funds for non-medical expenses without penalties (though you will owe income tax on the withdrawals). This can serve as an additional retirement savings vehicle, providing flexibility in how you use the funds.
7. Control Over Healthcare Costs: HSAs empower you to take control of your healthcare costs. You can use the funds for a wide range of qualified medical expenses, including deductibles, copayments, prescription drugs, and even some alternative therapies.
8. Lower Premiums: High-deductible health plans (HDHPs), often paired with HSAs, tend to have lower premiums than traditional health insurance plans. This can reduce your healthcare costs in retirement, especially if you’re relatively healthy.
9. Financial Security: Having an HSA can provide peace of mind in retirement, knowing that you have a dedicated source of funds for healthcare expenses, which can be a significant concern as you age.
10. Estate Planning: HSAs can be passed on to beneficiaries after your passing, offering potential estate planning benefits.

How to utilize FSAs for healthcare expenses

Flexible Spending Accounts (FSAs) are a valuable tool for managing healthcare expenses by allowing you to set aside pre-tax dollars to cover qualified medical costs. Here’s how to effectively utilize FSAs for your healthcare expenses:

1. Enroll in Your Employer’s FSA: To participate in an FSA, you typically need to enroll during your employer’s open enrollment period or when you experience a qualifying life event (e.g., marriage, birth of a child). Your employer will provide information on the available FSA plans.
2. Determine Your Contribution: Decide how much money you want to contribute to your FSA for the plan year. Be mindful of the contribution limits set by the IRS.
3. Understand the Use-It-or-Lose-It Rule: FSAs typically have a “use-it-or-lose-it” rule, meaning any funds left unspent at the end of the plan year may be forfeited. Some plans offer a grace period or a rollover option, allowing you to use remaining funds or carry over a limited amount to the next plan year. Be aware of your plan’s specific rules.
4. Plan Your Expenses: Identify anticipated healthcare expenses for the year, such as doctor’s visits, prescription medications, dental care, and vision expenses. Estimate these costs as accurately as possible to determine your FSA contribution.
5. Keep Records: Retain receipts and documentation for all eligible expenses. Many FSAs require you to submit documentation to verify expenses, so it’s essential to maintain organized records.
6. Use Your FSA Debit Card: Some FSAs provide a debit card for easy access to your account funds. You can use this card to pay for eligible expenses directly at the point of service, such as at the pharmacy or doctor’s office.
7. Submit Reimbursement Claims: If your FSA does not provide a debit card or requires documentation, you may need to submit reimbursement claims to access your funds. Follow your plan’s guidelines for submitting claims, which may involve completing forms or using an online portal.
8. Take Advantage of Over-the-Counter (OTC) Medications: Many FSAs now allow you to use your account funds for OTC medications without a prescription. Check with your plan for details on eligible OTC expenses.
9. Maximize Dental and Vision Benefits: Use your FSA funds for dental check-ups, orthodontic treatments, eyeglasses, contact lenses, and other vision-related expenses.
10. Plan Ahead: Be strategic about using your FSA funds throughout the year, especially if you anticipate elective medical procedures or treatments. You can align your spending with your FSA balance to maximize tax savings.
11. Educate Yourself: Familiarize yourself with your FSA plan’s guidelines, eligible expenses, deadlines, and any available resources or tools provided by your employer.

Managing pre-existing conditions in early retirement

Managing pre-existing medical conditions in early retirement presents unique challenges and considerations. While the prospect of retiring early offers newfound freedom and flexibility, it also demands careful planning to ensure ongoing access to necessary healthcare services and treatments. In this section, we’ll explore strategies and insights to help individuals with pre-existing conditions navigate the transition to early retirement successfully. From securing health insurance coverage to budgeting for medical expenses and maintaining overall well-being, proactive management is key to a fulfilling and healthy retirement journey.

Considerations for pre-existing conditions

When it comes to healthcare planning, individuals with pre-existing conditions face unique considerations that can significantly impact their choice of insurance plans, cost management, and understanding of coverage. To make informed decisions, it’s crucial to take into account the specifics of your pre-existing conditions. Here’s why:

1. Plan Selection: Different health insurance plans may offer varying levels of coverage and access to specialists or treatments related to your pre-existing conditions. Carefully review plan details to ensure your specific healthcare needs are adequately addressed.
2. Cost Management: Managing the costs associated with pre-existing conditions is a priority. This includes understanding copayments, deductibles, and out-of-pocket maximums to gauge your potential expenses. It’s essential to budget effectively for ongoing treatments and medications.
3. Network of Providers: Ensure that the healthcare providers you rely on, such as specialists or hospitals, are within the network of your chosen insurance plan. Out-of-network care can be considerably more expensive.
4. Prescription Medications: If you require ongoing medications, evaluate the plan’s prescription drug coverage, including formularies and pricing tiers. Be prepared to discuss alternatives with your healthcare provider if necessary.
5. Preventive Care: Many pre-existing conditions benefit from proactive management through preventive care. Understand what preventive services are covered by your plan, as these can help mitigate health issues and reduce long-term costs.
6. Prior Authorizations: Some treatments or procedures may require prior authorizations from the insurance company. Familiarize yourself with the process and timelines to avoid delays in care.
7. Appeals and Advocacy: Be aware of your rights to appeal insurance denials or advocate for necessary treatments. It’s essential to navigate insurance company processes effectively to ensure you receive the care you need.
8. Continuity of Care: If you’re transitioning from an employer-sponsored plan to a different form of coverage, consider the continuity of care. Make arrangements to continue treatment seamlessly without disruptions.
9. Emergency Care: Understand how your insurance plan covers emergency care, as pre-existing conditions can sometimes lead to unforeseen medical emergencies.
10. Wellness and Lifestyle: Beyond insurance, prioritize overall wellness and lifestyle management. Engage in healthy habits, follow medical advice, and consider preventive measures to reduce the impact of pre-existing conditions.

Protections under the Affordable Care Act (ACA)

The Affordable Care Act (ACA) provides essential protections for individuals with pre-existing conditions. These safeguards include guaranteed issue, preventing insurers from denying coverage or charging higher premiums based on health status, a prohibition on pre-existing condition exclusions, community rating to prevent health-based premium discrimination, coverage of essential health benefits, and the removal of lifetime or annual benefit limits. Additionally, dependent coverage allows children to stay on their parents’ plans until age 26, and Medicaid expansion in certain states broadens access to care. These ACA provisions ensure that individuals with pre-existing conditions can access comprehensive and affordable healthcare coverage without discrimination.

Tips for choosing the right early retirement health insurance plan

When shopping for health insurance it’s important to consider your current healthcare needs and any needs you anticipate in the future. It’s also important to consider your budget and what you can afford.

Need help figuring out what coverage is right for you? eHealth is here to help. eHealth is the first and largest online health insurance brokerage, so you can be sure that you will find the best plan for you and your needs with us.

Our online tools are here to not only help save you money but help you keep your doctors when making the switch. eHealth’s comparison tool allows you to easily compare a large range of health insurance options, so that you can find a plan that fits your budget and coverage needs.

Start shopping for individual and family health insurance now!

And when you turn 65 and are ready for Medicare, let eHealth help you with that transition as well.

MMR 1972 – 2024