Health insurance for early retirees.
The stretch between leaving work and turning 65 is where coverage costs the most. Private PPO plans are one of the few ways to bridge it without COBRA pricing.
- Pre-existing conditions covered
- Enroll any day of the year
- A licensed advisor, no pressure
- No cost to talk it through
Step 1 of 5
Let's find your coverage
Start with your state.
Plans from nationally recognized carriers
Carriers include UnitedHealthcare, Aetna, Cigna, Blue Cross Blue Shield, Humana, Anthem, Allstate Health, Oscar.
What a private PPO can do that most plans can't.
Pre-existing conditions covered
An advisor tells you straight which plans will take your health history.
Enroll any day of the year
No six-week window. Coverage can start when you need it to.
Broad nationwide PPO networks
Keep your own doctor in most cases and stay covered across state lines.
Never sold to third parties
Your details stay with us and are never resold.
What usually goes wrong
Retired before 65, and Medicare is still years away. Most people in your situation land on the marketplace, see an unsubsidized bronze premium around $750 a month with a deductible north of $5,000, and conclude that health coverage simply isn't affordable. That conclusion is often wrong — it's just that nobody showed you the other shelf.
Private PPO plans sit outside the marketplace. They're medically underwritten, which means not everyone is approved, and they aren't subsidized. What they offer in exchange is a materially lower premium, a broad nationwide network, and no enrollment window to wait for.
What a private PPO gives you
- Pre-existing conditions covered
- Enroll any day of the year — no six-week window
- Broad nationwide PPO networks
- Keep your own doctor in most cases
- Your details are never sold to third parties
And the honest caveat: if you qualify for Medicaid or a significant ACA subsidy, that will beat this. Your advisor will say so rather than sell around it.
Three things early retirees should check first.
- 01
The bridge to 65
Medicare doesn't start until 65. Plan the whole gap, not just the first year after you leave work.
- 02
Retirement income and subsidies
How you draw from savings can change your marketplace subsidy. It's worth running both paths.
- 03
Age-based pricing
Premiums rise with age on every path, so compare real numbers for your age band.
Straight answers for early retirees.
Should I just take COBRA until 65?
COBRA usually lasts 18 months, so it rarely covers the full gap, and you pay the whole premium. It works well mid-treatment, less well as a long bridge.
Can I keep my doctors?
Broad PPO networks make that likely. An advisor checks your specific doctors before you enroll.
What happens when I turn 65?
You move to Medicare and can drop the private plan. Plan the switch a few months ahead.
Three steps, and you're never locked in.
- 01
Tell us the basics
State, household, pre-existing conditions and timing. About thirty seconds — no SSN, no date of birth.
- 02
A licensed advisor reaches out
Real options, real costs and the honest trade-offs, in plain English.
- 03
You decide
Enroll if it fits, or don't. No cost to talk and no obligation at any point.
See what you actually qualify for.
Four questions, a licensed advisor, a straight answer. No cost, no obligation, no pressure.
Secure & private. By submitting you agree to be contacted by a licensed advisor.
Year-round enrollment
Private PPO plans are not tied to open enrollment.
Never sold
Your details are not passed to a lead list.
256-bit SSL encrypted
Your details are protected from the first click.
No cost, no obligation
Talking it through is free. You decide.
Step 1 of 5
Let's find your coverage