Does my spouse need a separate policy when I retire?
- When I retire, can I keep the health plan I have now?
- What is COBRA?
- What if I retire and have no health plan?
- How much will health insurance cost me in retirement?
- Where can I purchase individual health coverage?
- Does my spouse need a separate policy when I retire?
- What if I can't get individual coverage?
- How can I keep my health costs down in retirement?
- Where should I put my health care savings?
- How does a Health Savings Account (HSA) work?
- Who can participate in an HSA?
- What is Medicare?
- Who pays for Medicare?
- What is Medicare Part A?
- What is Medicare Part B?
- What is Medicare Part C?
- What is Medicare Part D?
- What is Medigap insurance?
- Which Medigap policy should I buy?
- What is Medicaid?
- What does Medicaid cover?
It can still sometimes make sense to shop for a separate policy for the oldest person. That's because insurance companies often set their rates based on certain age "bands," and the age of the oldest person seeking coverage is what counts. So it can be more economical to get one policy for the oldest person in the family and then another (cheaper) policy for the younger spouse (and kids, if they are still dependents). Run the numbers both ways to see.
