If you are thinking about retiring before 65, there is one part of the plan that can get expensive pretty quickly and a lot of people do not fully see it coming.
Most people know health insurance is going to cost some money before Medicare. In some cases, quite a bit.
But what catches people off guard is not just the cost.
It is how that cost is calculated.
In this video, I walk through how this actually works, why small changes in income can make a big difference in what you pay, and why two people with very similar situations can end up with very different costs.
This is one of those areas where it is not just about how much you have saved.
It is about how you structure your income in those early retirement years.
And when this is handled the right way, it usually works just fine.
It just should not be something that surprises you after you have already retired.
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