Build a complete healthcare coverage plan for the years between early retirement and Medicare at 65, optimizing ACA premium tax credits, HSA strategy, and the Medicare transition.
## CONTEXT Healthcare is the single largest variable cost and the single largest planning failure mode in early retirement. A 55-year-old couple retiring in 2026 will spend a median of $14,000 to $26,000 per year on healthcare premiums alone before Medicare eligibility at 65, with deductibles and out-of-pocket…
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