3 Non-Employer Health Insurance Case Studies: More Choices Than You Thought | Lyndia Cunningham (Part 2) | 240

Need to figure out health insurance on your own? It's a little scary if you don't get it through an employer and too young for Medicare, but there are lots of options. In Part 2 with health insurance broker, Lyndia Cunningham, Bill and Jackie put early-retirement healthcare planning to the test with three very different case studies. Jackie rewinds to age 49 and walks through the decisions she faced before leaving work, including ACA subsidies and income planning. Bill brings a high-income household with no employer benefits and explains how stumbling into Tennessee Farm Bureau coverage slashed his monthly premiums by thousands. Then listener Brooke explores whether health insurance really needs to be the golden handcuffs keeping her in a W-2 job.

This episode covers

How Jackie could have evaluated healthcare before retiring at 49 Why retirement timing and modified adjusted gross income can dramatically affect ACA costs  Bronze versus Silver plans, cost-sharing reductions, and HSA eligibility How to make sure an ACA plan actually includes the doctors you want to keep What Jackie ultimately paid for healthcare after retiring Why Bill chose Farm Bureau coverage instead of the ACA marketplace  How medical underwriting and non-ACA major medical plans work Health insurance options for adult children aging off a family plan  How association plans, college health plans, and HSAs can expand your choices Whether healthcare really needs to keep Brooke (or anyone else) tied to a job  .

This is the second part of a 2-part episode. Be sure to subscribe the show and catch part 1 (episode 239) from 9/27/26.

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