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En español | Nobody can become eligible for Medicare before age 65, unless he or she qualifies at an earlier age on the basis of receiving Social Security disability benefits.   

If you retire at any time before 65, you may be able to get health insurance from any of the following sources: 

  • Your spouse’s current employer, if you’re married and the employer provides health care that covers you
  • Your former employer, if you’re eligible for retiree health benefits
  • COBRA coverage, which extends your former employer’s coverage for a certain period of time — usually 18 months — but requires you to pay the full premiums, including what your employer used to pay toward them
  • Private insurance purchased through marketplaces set up under the Affordable Care Act (Obamacare)
  • Private insurance purchased on the open market.

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