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Health Insurance for Early Retirees

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.

Customized, white glove plan selection help

ACA, private, short-term, Medicare—we compare it all for your needs.

Doctor + network + RX matching

Want to keep your specialist or primary doc? Or ensure your scripts are covered? We find plans that fit.

Coverage for your lifestyle

Whether you're bi-coastal, global, or always on the go—we’ve got you.

Ongoing help with bills & claims

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.

“When I retired early, I picked a health plan on my own—and it totally backfired. It didn’t work with how much I travel, and I ended up paying out of pocket more than I expected. I didn’t want to make that mistake again. Emry Concierge made the whole process easy and helped me find a plan that actually fit my life.”

— Miles B., 52

“When I sold my company, health insurance was the one thing that stressed me out. Now it’s taken care of—and I don’t have to think about it. This company was so helpful, I decided to keep them on for ongoing support.”

— Denise T., 61

“I kept hearing horror stories from friends on ACA plans. How confusing it was, how they ended up with awful coverage. When I retired, an Emry Concierge advocate walked me through everything and helped me choose the best health insurance plan for ME."

— David H., 56