I'm retiring before 65 — how do I bridge to Medicare?
Retiring Before 65
Retiring before Medicare eligibility means covering the years in between. Understanding your options — and how your income affects them — helps you plan the bridge with confidence.
What's happening
Your situation
- You need coverage for the years before Medicare at 65
- Retirement can change your income and subsidy eligibility
- Leaving employer coverage often opens a special enrollment period
Your options
Paths to consider
- A marketplace plan to bridge the years before Medicare
- Reviewing how retirement income affects subsidies
- Planning ahead for your Medicare transition at 65