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Are there any (non-employer) health insurance options for early retirees?

My husband and I would love to plan for early retirement in a few years - the one obstacle seems to be health insurance. Neither of our employers provide health insurance after leaving the job (no matter when.) We will be in our late 50's (in a few years when we would like to retire) and have one 10yo child - could relocate if necessary after retirement. From what I've been reading it looks like family heath insurance costs are over $1000 per month! Any advice or direction is greatly appreciated!!

Depending upon your health status and location you should be able to get a good comprehensive policy for less than $1000 per month.

AARP writes their health insurance through United Health, which is a very good company and certainly worth a look. However, the policies have fewer benefits than most and the premium is nearly the same. You should visit a local independent agent. This person knows the market in your area and can compare the different plans (AARP included) and can suggest several plans that would be best for your situation.

Medicare is not available until you reach 65 unless you've been disabled for 2 years. Source(s): Independent Agent

AARP is one option. You can become a member when you become 50. I don't know what the cost is but I doubt it's THAT much.
I wish I had advice. I am retired and there is no way I could afford health insurance. I am glad that I am qualified to use the VA.

AARP does not have real health insurance. It is just a daily supplement if you go to the hospital.

California offers a guaranteed minimal health insurance for people who have been turned down by other companies. If you have preexisting conditions that may cause you to be rejected that is an option.
Most of your major insurance carriers offer plans for familys or individual major medical policies. THey are not cheap, but not anywhere near the figure you mentioned.
AARP is another option, they have a decent plan. At the age of 62, you will be eliglble for medicare coverage. THis will always be your primary coverage. You do need a subsidary though. A lot of the premium cost is estimated by pre existing conditions and health risks such as smoking or drinking. My job discontinued my health insurance when I retired, so now I am with United Healthcare with an individual policy. That is the company I had at work, they offered me a policy when I was in the retiring process. Might want to check with who you are with now, it is possible they will carry your family after you retire.
experience
If you are an Indian by origin, or even a foreigner living in India/abroad and if you are willing to relocate to Chennai or anywhere in India after retirement Please contact me. I have best Health insurance Options for you. You can have a Health Cover until your age 80. This plan will even pay 25% for non-allopathic treatments too.

For a Sum Insured of Rs.5,00,000/- for all the three members of your family you will be paying Rs.14,399/-only per year
if the oldest member in the family is less than 55 years and
Rs.18,820/- if the oldest member in the family is between
55 -60 years.

A.Mohamed Ali,
Chennai- 9840070694.
mali_starinsurance@yahoo.co.in