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How Early Retirees Manage Healthcare Costs Before Medicare
In this episode of The Financial Freedom Podcast, Lucas and Luna tackle one of the biggest unknowns for early retirees: healthcare costs before Medicare eligibility at 65. Using a real couple, Jen and Mark, who retired at 52 with a $1.2 million portfolio, they walk through how to estimate ACA subsidy eligibility, budget for out-of-pocket maximums, and use a health savings account as a triple-tax-advantaged retirement tool. They discuss the 'healthcare wedge'—the gap between early retirement and Medicare—and how a 4 percent withdrawal rate needs to account for $12,000 to $24,000 per…
The skinny
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