The pre-65 gap is one of the most expensive stretches in health care. But because subsidies are income-based, early retirees living on savings are often pleasantly surprised by how affordable the marketplace can be.
Health Enrollment Center is operated by Sprinter Insurance Agency LLC. We are not HealthCare.gov or any government marketplace.
Retire before 65 and you're too young for Medicare but no longer on an employer plan. The marketplace is usually the answer, and early retirees are often surprised: because premium tax credits are income-based, a retiree living on a modest drawdown of savings plus some investment income can qualify for a substantial credit.
This is where income planning meets health insurance. Managing your Modified Adjusted Gross Income in your early-retirement years — through which accounts you draw from and when you realize gains — directly affects your subsidy. Retire in a low-income year and your benchmark Silver plan could cost a fraction of the sticker price.
We help early retirees map coverage from their retirement date all the way to their 65th birthday and the Medicare transition, so there's no gap and no overpaying in between.
Don't see yours? Call a licensed agent — most answers take under two minutes.
You transition to Medicare, generally during the seven-month window around your 65th birthday. We help you time the end of your marketplace plan so it lines up cleanly with your Medicare start date.
No. We're a licensed insurance agency paid by the carriers, not by you. The premium of any plan is identical whether you enroll through us or directly with the insurer — you just also get an agent who handles renewals and claims questions.
No. Health Enrollment Center is a brand operated by Sprinter Insurance Agency LLC, a private licensed insurance agency. We are not HealthCare.gov, not a state exchange, and not affiliated with any government agency. We help you enroll in marketplace plans when they're the best fit, and we also show private plans the marketplace doesn't carry.
Start with your ZIP. Two quick questions, then a licensed agent brings you the plans you actually qualify for — no cost, no obligation.