The health insurance decision for early retirees can be very complicated. It can be one of the more stressful decisions an early-retiree must make.

To help make the conversation with clients easier, we have created the “If I Retire Early, Should I Buy Health Insurance Through The Health Insurance Marketplace?” flowchart. This particular flowchart was developed in collaboration with Jeff Levine and based on the recent Nerd’s Eye View article he wrote covering this topic. This flowchart considers the following:

• Health insurance options that your client should consider based on their situation.
• Eligibility of spouse’s health insurance 
• COBRA considerations
• Premium Assistance Tax Credit

Updated 7/22/2019

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