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Healthcare Learning

If I Retire Early, Should I Buy Health Insurance Through The Health Insurance Marketplace?

If I Retire Early, Should I Buy Health Insurance Through The Health Insurance Marketplace?

  • Medicare eligibility
  • Availability of coverage through your former employer 
  • Coverage under your spouse’s health insurance
  • COBRA considerations
  • The Premium Assistance Tax Credit

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What Issues Should I Consider Before I Retire?

What Issues Should I Consider Before I Retire?

  • Cash Flow Issues
  • Health Insurance Issues
  • Asset & Debt Issues
  • Tax Planning Issues
  • Long-Term Planning Issues
  • Other Issues

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Am I Eligible For Medicare Part A & Part B?

Am I Eligible For Medicare Part A & Part B?

  • Eligibility before age 65
  • Eligibility if a client has fewer than 40 work credits
  • Applicable premiums

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Will I Avoid IRMAA Surcharges On Medicare Part B & Part D?

Will I Avoid IRMAA Surcharges On Medicare Part B & Part D?

  • IRMAA surcharges for Part B and Part D based on MAGI ranges
  • Situations to request an exception and the form to complete
  • Relevant tax year for the surcharge calculation

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Will I Avoid Medicare Enrollment Penalties?

Will I Avoid Medicare Enrollment Penalties?

  • Impact of employee headcount for those covered under an employer plan
  • Special Enrollment Period rules
  • Penalties for delaying Part A, B, & D
  • How a creditable drug plan could impact Part D late enrollment penalties

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Will I Be Enrolled Automatically In Medicare?

Will I Be Enrolled Automatically In Medicare?

  • Impact of age on enrollment
  • Automatic enrollment events
  • Initial Enrollment Period rules
  • Coverage start dates for Part A, B, & D

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Will Healthcare Change As I Transition Into Retirement?

Will Healthcare Change As I Transition Into Retirement?

  • Medicare considerations
  • Expected retirement age
  • COBRA coverage options
  • Employer-sponsored health plan options
  • HSA coordination

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Should I Change My Medicare Coverage During Open Enrollment?

Should I Change My Medicare Coverage During Open Enrollment?

  • Changes in health care needs
  • Costs of premiums, deductibles, etc.
  • Access to specific providers, services, and prescription drugs
  • Out-of-state concerns
  • Effective dates of any changes

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