Let’s be honest—health insurance is expensive, and for many people it’s the number one reason they delay retirement. But you can retire before Medicare if you plan for it and know all your options. Here are 7 ways early retirees cover health insurance before 65: 1️⃣ 💑 Spouse’s Employer Plan → Often the easiest and most affordable move if your partner is still working. 2️⃣ 🧾 COBRA → Extends your old employer coverage up to 18 months, but you pay the full premium—great as a short‑term bridge. 3️