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Health Insurance for the Solo Early Retiree

by M. E. Hart

How to bridge the gap to Medicare on your own — coverage, costs, and the new 2026 subsidy rules.

You retired early — now you have to insure yourself until Medicare, alone. Written for a household of one, this focused guide covers your real options without a spouse's plan to fall back on: the Marketplace, COBRA, the 2026 subsidy rules, and the MAGI control game that quietly decides your premium. Includes six worked case studies, a fill-in Solo MAGI worksheet, and a year-by-year timeline to your 65th birthday.