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Health Insurance
For Early Retirees

Secure your health insurance as a bridge to Medicare

When you seek early retirement, you’re excited to enjoy your free time focusing more on your hobbies, family and even traveling.
If you retire before you turn 65 years old, you’ll want to consider how your health will be covered after relying on employer-provided health insurance.

You have options to bridge the health insurance gap between your early retirement date and your Medicare eligibility at age 65

Let’s look at your options.

Click on each card to reveal more information.

Spouse's Employer Plan or COBRA Continuation Coverage

If eligible consider these options first for your early retirement health coverage. You may get better coverage at a lower cost.

Affordable Care Act (ACA) Plan

Next best option to find a comprehensive plan offered in your state. Depending on your income, you may be eligible for a premium subsidy.

Short-term Medical Insurance

If cost or plan availability is a challenge, this option is possible but comes with caveats such as limited coverage term and coverage.

Catastrophic Coverage (i.e. Hospital Indemnity / Fixed Health Benefit)

As a last resort, this option covers you in the event of a hospital stay at the expense of little to no preventative medical coverage.

Finding someone you trust to guide your health coverage decisions in early retirement is key to your overall financial health.
USAA has teamed up with IHC Specialty Benefits, a trusted partner, to connect you with a licensed health insurance agent.
Call 855-386-2350 or start your quote online today.

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Call 855-386-2350, M-F, 7:30 a.m. – 7:00 p.m. CT

IHC Specialty Benefits, Inc. (IHC SB), 5353 Wayzata Blvd, Ste 300, St. Louis Park, MN 55416, is an insurance agency licensed nationwide. IHC SB works with producers, affinity groups, membership associations, and consumers to provide the technology, knowledge, and support they need to navigate the health insurance landscape[DK1] .

Short-term health insurance is a short-term, limited-duration policy or certificate of coverage. This coverage does not meet the minimum essential coverage requirements under the Affordable Care Act (ACA). Plan availability and duration of coverage can vary by state. Be sure to check your policy carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits. These plans may include a pre-existing condition exclusion provision. Your policy might also have lifetime and/or annual dollar limits on health benefits.

Depending on the merchant, members receive between 0.5% and 20% of the retail purchase price in rewards on their purchases.

Membership eligibility and product restrictions apply and are subject to change.

This offer is subject to restrictions and limitations and may not be available on some purchases.

Merchants subject to change.

The trademarks, logos and names of other companies, products and services are the property of their respective owners.

Health insurance solutions provided through USAA Life General Agency, Inc. (LGA) (known in CA and NY as USAA Health and Life Insurance Agency), which acts as an agent for select insurance companies to provide products to USAA members. LGA representatives are salaried and receive no commissions. However, LGA receives compensation from those companies, which may be based on the total quantity and quality of insurance coverage purchased through LGA. Plans not available in all states. Each company has sole financial responsibility for its own products.

This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments and restrictions may apply. Benefits, premiums and/or member cost-share may change on Jan. 1 of each year.

USAA means United Services Automobile Association and its affiliates.

Any information you provided is voluntary and will not be considered in connection with a request or application for insurance products/services, and may be used by USAA for marketing and other business purposes as set forth in the USAA Privacy Promise.

We believe the websites and resources we used to gather this information are reliable; however, we cannot guarantee the accuracy or timeliness of the information.

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