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Unless you are prepared to dig into your pocket to the tune of about $9,500 per person
and per year for individually priced health insurance premiums until you get Medicare at age 65, don’t retire early.
I know people in horrible, acrimonious marriages who nevertheless are able to supply health
insurance — even retiree health insurance, full ride, including Rx — to one another.
Not to mention that it is beneficial to “younger” people for us “older” people, at the top of the pay scale, to retire and make way for them.
Before Obamacare, there was compelling evidence that people were reluctant to retire, switch jobs,
cut back on hours or start a new business because they were worried about health insurance.
My advice: Don’t retire before 63.5 so you can stay on your company Cobra plan until you’re eligible for Medicare.
My colleague Austin Frakt wrote an article last week about the role the Affordable Care Act has played for early retirees
and other people interested in embarking on lives and careers untethered to full-time employment.
There is little good research on how many people have changed their work lives because of the health law’s guarantees,
but Mr. Frakt’s article prompted a flood of comments from Times readers who had either given up their corporate insurance or were hoping to do so soon.
I don’t expect it to be free, but if I can’t get somewhat affordable health insurance, my dream will likely die.
Without having to worry about health care for self
and family, more people would be willing to start businesses, change dead-end jobs and be more mobile.