Pre-65 Health Care Insurance

If you've retired early, been laid off, or are self-employed, you need health coverage until you become eligible for Medicare at 65. Peter can help you find the most affordable and comprehensive option for your situation.

Your Pre-65 Options

1. ACA Marketplace / Covered California

Likely your best option if your income is below ~$60,000 (single) or $124,000 (family of 4). Substantial subsidies may be available. Open Enrollment is Nov 1 – Jan 31, with Special Enrollment Periods for qualifying life events.

2. COBRA Continuation Coverage

If you recently left a job, you can continue your employer's group health plan for up to 18–36 months. Coverage is identical to what you had, but you pay the full premium (often very expensive — typically 100–102% of the true cost).

3. Cal-COBRA (California)

California's COBRA extension allows employees at small firms (2–19 employees) to continue group coverage for up to 36 months.

4. Short-Term Medical Insurance

For gaps of 3–12 months. Lower premium, but limited benefits and no ACA protections.

5. Spouse or Domestic Partner Coverage

If your spouse or partner has employer coverage, you may be able to join their plan during a Special Enrollment Period triggered by your job loss.