Retiring Early? Don’t Let Health Insurance Derail Your Plans.
Get expert, unbiased guidance on ACA, private plans, Medicare, and everything in between. Smart coverage decisions tailored to your health needs, lifestyle, income and tax strategy.

Health insurance is one of the biggest risks in early retirement.
Coverage gaps or surprise bills can have a big financial impact
ACA income cliffs and IRMAA surcharges can wreck your tax plan
Many “default” plans limit providers
Your high-cost prescriptions may not be covered
Even high earners risk overpaying by thousands each year
Out-of-network care for multi-home or international lifestyles can drive up costs
You worked hard to build your fatFIRE. We help you protect it—with a smarter healthcare strategy.
Emry Health Concierge:
Your personal health insurance strategist.
ACA, private, short-term, Medicare—we compare it all for your needs.
Want to keep your specialist or primary doc? Or ensure your scripts are covered? We find plans that fit.
Whether you're bi-coastal, global, or always on the go—we’ve got you.
We don’t disappear after enrollment. We stay with you year-round.
Request your free insurance needs assessment. It’s time to retire with peace of mind.
Personalized advice, not product-driven sales—just smart strategy for your next chapter.
What Early Retirees Are Saying About Emry Concierge
Hear how Emry took the stress out of one of retirement’s biggest unknowns.