- If you retire before 65, you'll need coverage until Medicare. COBRA, ACA and private plans are the usual options.
- ACA premium tax credits depend on household income, which can change in early retirement.
- Healthy applicants may qualify for lower-cost medically underwritten private plans.
- Check that your doctors and preferred hospital are in network before you enroll.
Boca Raton has a large share of professionals who run their own firms and people who retire before 65. Both groups face the same problem: no employer plan, and a decision about coverage that has real consequences for cost and access to doctors.
We compare individual, family, private and small business plans from 30+ carriers for Boca Raton clients. This guide focuses on bridging to Medicare, comparing COBRA, and choosing networks that include the hospitals you use.
Retiring Early in Boca Raton: Coverage Until Medicare
Medicare generally starts at 65. If you leave work earlier, you'll usually choose among COBRA from your former employer, an ACA marketplace plan, or a private plan.
COBRA keeps your current network but you pay the full premium plus up to 2%, typically for up to 18 months. ACA plans are guaranteed issue, and premium tax credits are based on household income, which for some early retirees is lower than during working years. Private underwritten plans may cost less for healthy applicants but can limit pre-existing conditions.
We lay these options side by side, including how your expected income affects ACA pricing, so you can choose with your financial advisor or CPA.
Individual and family coverage in Boca Raton
Boca Raton households include many blended families, adult children returning home, and parents with children at college out of state. We check whether a plan's network works where your dependents actually live, and how long children can stay on your plan (generally until age 26).
Self-employed and 1099 workers in Boca Raton, such as financial advisors, attorneys, consultants, physicians in private practice, real estate professionals and executives with consulting income, can compare individual plans, private PPO options or ACA marketplace coverage. Families can start with our guide to family health insurance.
Small business health insurance in Boca Raton
Boca Raton's small firms, including wealth management practices, law offices, medical groups and technology companies, often compete for professional talent. We compare group plans, level-funded options and ICHRA, and coordinate with your CPA on contribution strategy.
Whether you run a wealth management or law practice, a medical office, or a technology or professional services firm near Boca Raton, see how small group health insurance works, including level-funded plans and ICHRA.
Doctors and hospitals in Boca Raton
Health systems serving Boca Raton and Palm Beach County include Baptist Health Boca Raton Regional Hospital, West Boca Medical Center and Delray Medical Center. Networks differ by carrier and plan, so we check your doctors, hospitals and prescriptions against each plan’s directory before recommending anything.
Situations we help with in Boca Raton
Executive retiring at 61
Comparing COBRA, an ACA Silver plan and a private plan until Medicare.
Attorney with a three-person firm
Wants group coverage for staff and a PPO for the owner's family.
Consultant with variable income
Wants a predictable premium and to understand the self-employed deduction.
How we help Boca Raton residents compare options
Many Boca Raton clients are planning a transition: early retirement, selling a business, or leaving a corporate job. We map out coverage for each stage until Medicare, comparing COBRA, ACA and private plans with your expected income in mind.
There is no fee for our advice; carriers compensate brokers. Call (321) 442-6966 or request a free comparison below. Leaving a job? Compare COBRA alternatives first.
Areas we serve in and around Boca Raton
- Mizner Park
- Downtown Boca Raton
- East Boca
- West Boca
- Town Center area
- Highland Beach
- Delray Beach
- Deerfield Beach
- Parkland
General information only, not tax, legal or medical advice. Plan availability, networks, benefits and pricing vary by carrier, plan and ZIP code. Some plans are medically underwritten and may limit pre-existing conditions. Hospital names are listed for reference only and do not indicate network participation. Stratton Advisory Group is an independent agency and is not affiliated with any insurance carrier or health system.