Health insurance before Medicare
If you are not on Medicare yet, you still need health coverage. Senior Retirement Solutions helps individuals and families find a plan — including people who retire early or leave job-based coverage. Timing matters, because most people can only enroll during set windows.
Who this is for
People most often call about health insurance when they are:
- Retiring before 65
- Leaving a job and losing employer coverage
- Self-employed or working without benefits
- Covering a spouse who is younger than 65 when the other spouse goes on Medicare
When you can enroll
Individual and family plans have an Open Enrollment period each fall. In Georgia, those plans are sold through Georgia Access, the state's marketplace, and through licensed agents.
Outside that window, a life event can open a Special Enrollment Period. Losing job-based coverage is the most common one, and the window is usually 60 days.
What to compare
Look past the monthly premium:
- Whether your doctors and hospitals are in the network
- Whether your medicines are covered
- The deductible and the yearly out-of-pocket maximum
- Whether you qualify for help paying the premium
When Medicare is close
Once you are eligible for Medicare, an individual health plan is usually no longer the right fit. A licensed SRS advisor can help you time the move so there is no gap in coverage. See our Turning 65 guide for the Medicare timeline.
How SRS helps
A licensed insurance agent starts with who needs coverage, when your current coverage ends, and what you pay now. Options are explained in plain language. You are never asked to decide on the first call.
Common questions
I'm turning 65 soon. Should I keep my individual plan?
Usually not. Most people move to Medicare when they become eligible. Start with our Turning 65 timeline, or talk with a licensed SRS advisor about your dates.