What does the health-insurance bridge to Medicare cost?
Add monthly plan costs, other medical bills, years to Medicare, and rising prices.
How much should an early retiree reserve before age 65?
Move one slider at a time. The numbers and picture update together.
Out-of-pocket spending, inflation, and one bad year can materially change the visible premium total.
This leaves out Marketplace savings, taxes, COBRA rules, work benefits, and Medicare costs. Use real plan papers and current signup rules.
Price the full coverage year
The monthly plan bill is only one cost. Add deductibles, copays, drugs, dental care, and care outside the plan's network. Use your plan papers and your own health needs.
Let the price rise if retirement is years away. One year of coverage at 64 is very different from six years at 59.
Check how income changes the price
Marketplace savings depend on your household and income. Large Roth conversions, investment gains, or retirement withdrawals can change the help you get.
Compare work plans, a spouse's plan, COBRA, retiree plans, and Marketplace plans until Medicare starts. Check signup dates before leaving work.
Verify before you act
These official resources provide background for the concepts in this illustration: