Retiring before 65? Your health insurance doesn't have to cost $2,000/mo.
Healthcare is the #1 expense keeping people from retiring early. But with the right withdrawal strategy and subsidy optimization, most early retirees pay $200–$500/mo for ACA marketplace coverage — not the $1,500–$2,000/mo COBRA quote you got. Your agent understands MAGI, Roth conversions, and subsidy thresholds.
The things nobody tells you — until it costs you money.
COBRA lasts 18 months and costs $1,500–$2,000/mo. Marketplace plans with income-managed subsidies are almost always cheaper for the bridge to Medicare.
Your $2M portfolio doesn't disqualify you. Subsidies are based on Modified Adjusted Gross Income (MAGI). Strategic withdrawals from Roth accounts keep MAGI low and subsidies high.
ACA premiums increase with age. A 55-year-old pays more than a 45-year-old for the same plan. Your agent shows you exact costs by age bracket.
Health sharing ministries and short-term plans look cheap but exclude pre-existing conditions, have annual caps, and can deny claims. Your agent only recommends ACA-compliant plans.
This page is for you if:
Twelve minutes, scripted.
We'll lay out exactly what your agent will ask, in what order, and why - so you know what to have in front of you before you pick up the phone.
A licensed agent picks up
No phone tree, no transfers, no hold music. Median answer time: 38 seconds.
They ask your ZIP and the ages of anyone covered
So they can pull plans actually available in your state - and confirm the right metal tier for your household.
They ask which doctors and meds matter to you
So they can rule out plans that don't include your providers or formulary. This is the step the marketplace skips.
They show you 3–5 plans side-by-side
Premium, deductible, max out-of-pocket, network size, and a plain-English read on what each gets you.
You pick - they enroll you on the call
Same call. Effective date is typically the 1st of next month. Confirmation by email and SMS within an hour.
You hang up insured
No follow-up sales calls, no info sold to anyone. If you change your mind, we have a 30-day support window - same agent.
You pay nothing. Ever.
We're paid a flat commission by the carrier when you enroll - the same amount whether you pick a BlueCross PPO or an Ambetter HMO. We have zero incentive to push you toward anything but the plan that fits. We don't sell your information. We don't email you for weeks.
Common questions.
Depends on your age and MAGI. With strategic income management, most early retirees pay $200–$500/mo for marketplace coverage. Without subsidies, it can be $1,000–$1,800/mo. Your agent helps you estimate.
No. ACA subsidies are based on income (MAGI), not assets. A $2M portfolio doesn't affect eligibility. Only the income you withdraw counts. Roth withdrawals don't count as MAGI.
Only as a very short bridge (1–3 months). COBRA costs $1,500–$2,000/mo. Marketplace plans with subsidies are almost always cheaper. Your agent compares both.
Avoid them. They're not insurance — they can deny claims, exclude pre-existing conditions, and have annual caps. For retirees with potential health needs, only ACA-compliant plans provide real protection.
Roth conversions count as taxable income (MAGI). Large conversions can push you above subsidy thresholds. Your agent helps you understand the tradeoff between tax-free growth and subsidy eligibility.
No. One brokerage, not a lead-gen site. BBB A+ rated.
100% free. Carriers pay us a flat commission.
12 minutes. Real savings.
Your agent compares total cost across 6+ carriers. One call, $0 fee.
(866) 605-0702