Health insurance before 65
Most people become eligible for Medicare at 65. Until then, you need health coverage from somewhere else.
Common sources of coverage before Medicare include:
- Insurance through work, yours or your spouse’s
- COBRA, which lets you keep your work coverage for a while after leaving a job
- Individual health plans you buy on your own
- Medicaid, if you qualify based on income
Retiring before 65?
If you’re leaving a job before you turn 65, you’ll need a plan to bridge the gap. Talk with us early. The right choice depends on your health, your budget, your doctors and how long you need coverage.
Planning your move to Medicare
Even if you have good coverage now, it pays to plan ahead. Signing up for Medicare late can mean lifelong penalties, and some people with work coverage need to sign up anyway.
We’ll help you figure out when to enroll, whether to keep your current coverage, and how to switch without a gap. Our free Medicare cheat sheet is a good place to start.
Common questions
I'm turning 65 but still working. Do I need Medicare?
It depends on the size of your employer and your coverage. Some people can wait to sign up without penalty, and others can’t. Call us and we’ll walk through your situation.
Can you help me if I'm under 65?
Yes, we’re happy to talk through your options. What we can offer depends on your state and situation.
Other coverage we can help with
Questions about health insurance?
Talk with a licensed agent. It’s free, and there’s no pressure.
TTY 711
This is general education. Health plan options, costs and eligibility vary by state, plan and personal situation.