Heads up, everybody! The open enrollment period for persons under age 65 for your 2019 health insurance plans starts November 1 and runs to December 15. You’ve got a couple weeks to get yourself positioned for January 1 of 2019. If you do not enroll in a 2019 plan by December 15, you cannot enroll in a health insurance plan for 2019 unless you qualify for a special enrollment period (SEP).

If you are planning to retire at age 62, don’t do it until you know what your next step is going to be for your health insurance. Perhaps you have a spouse who is still employed. Know the benefits and know the prices. Do you intend to work part time? Some large employers are considering hiring some employees for benefits. What do you have in mind? There is a gap between retiring at age 62 and attaining Medicare eligibility age which is typically 65 years old. Please call me. Most of the time this is a determining link to the puzzle.