Health Insurance for Pre-Retirees (Ages 60–64)
Bridge the gap to Medicare with confidence.
If you’re approaching retirement but not quite 65 yet, you may find yourself in an awkward spot—no longer covered by an employer, but not yet eligible for Medicare. You’re not alone. Many Americans need health insurance to cover this in-between phase.
At BCI Insured, we specialize in helping people ages 60 to 64 find coverage that works for them. Whether you’re retiring early, leaving the workforce, or losing employer coverage, we’ll help you compare your options clearly and without pressure.
There’s never a charge for our help. Just guidance that fits your life.
Common Situations We Help With
Early retirement before Medicare eligibility
Losing employer coverage
Leaving COBRA coverage
Self-employed or working part-time
No longer covered by a spouse’s plan
We’ll help you understand what’s available and how to avoid gaps in coverage while you wait for Medicare to begin.
Your Options Before Age 65
We help you explore and compare:
Marketplace (ACA) Plans
Often available with income-based subsidies
Private Off-Market Plans
Available year-round in some states
Short-Term Health Insurance
For temporary coverage between plans
Spouse or Family Coverage
If you qualify to join another plan
Every situation is unique. We’ll help you sort through what’s available in your state and which plans align with your lifestyle and health needs.
Why Work With BCI Insured?
- We’re
independent—we don’t sell or push just one company
- We represent
26+ carriers and are licensed in
11 states
- We specialize in
helping people near Medicare age
- Our guidance is
100% free and always pressure-free
- We help you understand how to transition to Medicare when the time comes
How Long Do You Need Coverage?
If you’re 61 today, you’ll likely need at least 4 years of non-Medicare coverage. We’ll help you think ahead and:
- Choose a plan that makes sense short-term or long-term
- Understand when and how to enroll in Medicare
- Plan for the smoothest possible transition when the time comes
We can even help you line up your Medicare enrollment as your 65th birthday approaches, so you’re never left with coverage gaps or late penalties.
FAQs About Health Insurance Before Age 65
Do I have to go through the government marketplace?
Not always. We can help you explore both marketplace and private options to see what’s available and affordable in your state.
Can I switch plans later if my needs change?
Yes—especially during Open Enrollment or if you qualify for a Special Enrollment Period. We’ll guide you through when and how to make changes.
What if I’m healthy and don’t go to the doctor much?
We’ll help you find plans that match your risk level and lifestyle—without overpaying for things you don’t need.
When should I start planning for Medicare?
We recommend starting at least 6 months before your 65th birthday. We’ll help you get ready and ensure there’s no lapse in coverage.
Let’s Talk About the Right Coverage Until Medicare
You don’t have to figure this out on your own. Whether you’re retiring early or just planning ahead, we’ll walk you through your options and help you choose what fits your life today—and your Medicare future.
Have a question?