Retiring before Medicare can feel like freedom—until healthcare costs suddenly take center stage. In this episode, certified financial planner, Pat Schultz unpacks what really happens in the gap years before age 65 and why health insurance decisions often shape retirement timing more than people expect. He discusses the true cost of leaving employer coverage, how ACA subsidies, income levels, COBRA, and HSAs factor into the equation, and the common mistakes that catch early retirees off guard. The conversation highlights why doing the math, asking the right questions, and planning ahead can turn uncertainty into clarity during one of retirement’s most overlooked transitions.

For specialized guidance on a tax-smart retirement, visit Harriman Hall Wealth to schedule a complimentary, no-obligation consultation with Pat and his team today. Call 585-348-0982 Monday through Friday or email them: team@harrimanhallwealth.com