The end of October marks a big milestone in our early retirement—the expiration of our COBRA coverage. COBRA can be a great healthcare option in early retirement, but it only lasts up to 18 months. After that, you’re on your own. So I started shopping for insurance on the ACA Health Insurance Marketplace recently—the logical next step. And that’s when I realized there was a major flaw in our early retirement plan. We knew buying insurance on the ACA Marketplace could get pric

Health insurance is one of the biggest puzzles of early retirement—right up there with "what day is it again?" Six months into early retirement, I wish I could say health insurance isn't on my mind. But it is—a lot. It’s hard not to with health care costs being so high in the U.S. compared to other countries. It is a lot easier when you receive health insurance through your employer. They do all the legwork—they find the best plan and negotiate the best rates. All you have to