Coverage for Life Before Medicare.
Health insurance options for individuals and families under 65, with guidance centered around your doctors, prescriptions, household, and budget.
Insurance for the years before 65.
Self-employed, between jobs, early retired, or simply looking for individual or family coverage? We help make the options easier to understand.
Your situation matters.
Under 65 health insurance is not one-size-fits-all. Your employment, family, doctors, prescriptions, and timing can all affect the options worth considering.
You work for yourself.
Explore individual coverage when you do not have access to employer-sponsored health insurance.
Your family needs coverage.
Review options for spouses, children, and eligible household members.
Your coverage changed.
Losing employer coverage or experiencing another qualifying event may open a special enrollment opportunity.
You retired before 65.
Bridge the gap between retirement and Medicare eligibility with health coverage options.
The details that matter most.
The goal is not simply to find a plan. It is to understand how the coverage fits your real healthcare needs.
Your Doctors
Provider networks vary, so your preferred doctors and facilities can be an important part of the comparison.
Your Prescriptions
Formularies and prescription costs can differ between available plans.
Your Budget
Compare premiums, deductibles, copays, and other potential costs.
Your Household
Your family size and coverage needs can affect which options make sense.
Three simple steps.
Tell Us What You Need
Share your household, doctors, prescriptions, current coverage, and budget.
Review Your Options
Compare available choices and focus on the differences that matter most.
Move Forward
Choose coverage and get help through the enrollment process.
Under 65 FAQ
Who can buy individual health insurance?
Can you help if I lose coverage through my employer?
Can my spouse and children be covered too?
What happens when I turn 65?
Need Coverage Before 65?
Start with a conversation about your household, doctors, prescriptions, and coverage needs.