What options do early retirees have to obtain health insurance coverage before they reach age 65 and can enroll in Medicare? Estimating health care costs during retirement is already challenging and pre-Medicare retirees face additional uncertainty.
When planning for retirement, the key is to focus on the things you can control that matter and build in enough flexibility to feel confident that you can pivot if needed. If medical costs soar, consider your willingness and ability to cut back on other expenses to pay for it. The tradeoff may not be ideal, but it is within your control.