Healthcare In Retirement Issues – Will Healthcare Change As I Transition Into Retirement?

2026 · WILL HEALTHCARE CHANGE AS I TRANSITION INTO RETIREMENT?
Do you expect to work after turning age 65?You may want to delay enrollment in Medicare if you want to continue to contribute to your HSA.Consider enrolling in Medicare Part A & B when you turn 65 if it makes sense for your situation. For the time being, it may be best to stay with your current coverage (e.g., Marketplace, spouse's plan, etc.).It may be advantageous to move over to your spouse’s plan.You may be eligible for 18 months of coverage under COBRA.You may be eligible for 29 months of coverage under COBRA.The Health Insurance Marketplace can offer coverage until you are eligible for Medicare.Did you leave your employer (voluntarily or involuntarily)?Do you receive your health insurance through your employer?Will you receive health insurance from your employer after you retire?Can you be covered under your spouse’s plan?Check with your employer to see how coverage works with Medicare.Consider enrolling in Medicare Part A when you turn age 65.Consider enrolling in Medicare Part A & B when you turn age 65.You can delay Part B until you lose your employer-sponsored healthcare.You will not pay a penalty for delaying as long as you enroll within 8 months of losing your health plan.Do you have an HSA and a high deductible health plan?See “Can I Make A Deductible Contribution To My HSA?” flowchart.Did you meet the Social Security definition for disability?YesNoYesNoNoYesNoYesYou may be eligible for 36 months of coverage under COBRA.Was your spouse covered and did they pass away?YesNoNoYesNoYesNoYesNoYesDoes your employer offer health insurance and have20 or more employees?COBRA is expensive. You may have to pay the full insurance premium plus a 2% fee.You may be eligible for a tax credit, but it will go away when you become eligible for Medicare.NoYesDo you work for a company with 20 or more employees?START HERE
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This is not an exhaustive list of considerations. You should have a meaningful discussion with, among other people, your financial advisor that goes beyond the topics covered here. Neither RFG Advisory nor Blake Wealth Management provide tax, legal or accounting advice. RFG Advisory cannot guarantee that the information herein is accurate, complete, or timely. RFG Advisory makes no warranties with regard to such information or results obtained by its use, and disclaims any liability arising out of your use of such information. Advisory services offered by Investment Advisory Representatives of RFG Advisory, LLC ("RFG Advisory" or "RFG") a registered investment advisor. Blake Wealth Management and RFG Advisory are unaffiliated entities. Advisory services are only offered to clients or prospective clients where RFG Advisory and its representatives are properly licensed or exempt from licensure. No advisory services may be rendered by RFG Advisory unless a client agreement is in place.

Eric Blake, Founder and Lead Financial Planner
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