Retiring before 65 sounds freeing - until you realize Medicare is still years away and health insurance may become one of your biggest expenses. This book answers the question every early retiree eventually asks: How do I get solid coverage without wrecking my budget? If you're planning the gap years, weighing COBRA, or trying to make sense of ACA subsidies, this guide helps you turn a confusing system into a manageable financial plan.

Readers will learn how ACA Marketplace plans really work, how to compare coverage based on total cost instead of premium alone, and why MAGI can matter more than your spending. You'll discover how income timing, Roth conversions, capital gains, and withdrawal sequencing can change subsidy eligibility in surprisingly large ways. The book also explores HSA strategy, annual re-enrollment decisions, and practical ways to avoid payback surprises at tax time.

What makes this guide different is its real-world, decision-first approach. Instead of drowning you in policy jargon, it walks you through the choices early retirees actually face, step by step, with clear explanations and useful planning logic. The result is a practical companion for making confident healthcare decisions all the way to Medicare.