Many Americans plan to retire in their early 60s, but this may not be a wise decision due to financial considerations. Leaving work at 62 means having to pay for medical bills until Medicare kicks in at 65, and even then, Medicare doesn't cover everything. Retirees often overlook the Medicare gap, which can cost around $2,000 per month per person. This can put a significant strain on their portfolios. Planning for healthcare coverage and having the necessary assets to support it is crucial. Annuities can be a solution for funding healthcare coverage and providing guaranteed income in retirement. 

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