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Estimate ACA premiums and subsidies before Medicare. Educational national averages — actual premiums depend on your state and marketplace. Discuss with a licensed healthcare broker before retirement.
Planning guide
The years before Medicare can be one of the largest early-retirement budget swings. The planner helps estimate the gap between employer coverage and Medicare using ACA, COBRA, spouse coverage, and taxable income assumptions.
A household retiring at 62 may be comfortable on normal spending but exposed to three years of premiums and deductibles. Planning the healthcare bridge separately makes the retirement date easier to test.
RetireFree provides educational planning estimates only. It is not financial, tax, legal, healthcare, or investment advice. Use the output to prepare better questions for a qualified professional. See the methodology and editorial policy.