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
Helpful Checklists
Checklists for this moment
Only the checklists relevant to this event. Each one has its own page you can open, bookmark, or share.
Special Enrollment Period Checklist
Certain life changes let you enroll or switch outside the usual windows.
Open checklistMarketplace Enrollment Checklist
What to have ready before you enroll in an individual or family Marketplace plan.
Open checklistLife Insurance Review Checklist
Already have coverage? A periodic review keeps it aligned with your life.
Open checklistRelated coverage
Insurance that may apply
Commonly discussed with this life event