For early retirees who qualify for income-based subsidies, the NYS Exchange (ACA Marketplace) may provide more affordable health insurance coverage. Choosing the right plan depends on your income, healthcare needs, and risk tolerance—but it’s also critical to understand the rules and responsibilities of receiving a subsidy.
Retiring before age 65 means securing private health insurance until you become eligible for Medicare. If your household income is too high to qualify for subsidies through the NYS Exchange (ACA Marketplace), purchasing a plan directly from an insurance company may be your best option.
Clear Benefits Advisors specializes in helping retirees who needs to bridge the gap between employer coverage to Medicare in retirement. We’ll guide you through your health insurance options to ensure you’re covered until Medicare eligibility.
Dental plans may be added anytime in the year and start the first of the month. Your dental plan can be a different company than your health insurance plan.
Check if your dentist is in network
Step 1: Select Your Plan: Blue Select
If your prescription costs are high with your current health insurance plan, check out GoodRx.com or download the app. You can compare the cost of your prescritpions at several national pharmacies in your area and see if it is less costly to use the GoodRx coupon or continue with your insurance plan coverage.
