Health insurance before Medicare planner
If you're retiring before you're eligible for Medicare at age 65, we'll help you find health insurance coverage.
- Explore options for finding a plan.
- See an estimated cost of coverage before Medicare so you can set your retirement budget.
Retiring at 65 or later
At 65, you may have the option to enroll in Medicare. This brings new, important decisions and information.
- When to enroll, to avoid late enrollment penalties or gaps in coverage.
- When to end Health Savings Account (HSA) contributions.
- How to choose the right combination of Medicare coverage to meet your needs.
For residents of select states: Fidelity Medicare Services® can help you understand your options and enroll in Medicare coverage.
Medicare Learning Center
Find tools, resources, and articles to help you plan your transition into Medicare coverage.
Managing health care costs in retirement
You've probably heard that healthcare costs are one of the biggest expenses in retirement. But knowing it may be true doesn't make planning any easier.
Bridging the gap to Medicare
In case you retire a few years early:
- Explore your health coverage options during the gap to Medicare, like COBRA, private insurance, the public marketplace, or a spouse's plan.
- Understand Medicare basics, including eligibility, enrollment, and penalties.
Planning your health insurance coverage
Consider your needs
Make sure your plan offers benefits that are important to you. Not all plans cover prescriptions, vision, or dental, or offer coverage if you're traveling or out of the country.
Review your coverage
Most plans have annual enrollment periods, but a qualifying life event like loss of coverage or a child leaving the plan, is an opportunity to review your needs.
Enroll in Medicare on time
Sign up for Medicare within the 3 months before and after your 65th birthday, unless you're delaying Medicare because you have qualifying health insurance through a job.
Get started
Discover your pre-Medicare health care options
Retiring before 65? You'll still need affordable health care.
Plan for the rising cost of health care in retirement
It's a large and unpredictable expense—and Medicare doesn't cover it all.
Learn more about health coverage in retirement
From health savings accounts to Medicare, we're here to help.
