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Retirement may seem like a distant goal, but planning for it now will save you headaches – and money – later. One of the most important steps is determining what kind of health insurance coverage you’ll need. Here are some things to keep in mind as you look into your options. 

Consider Your Health 

Your current health and any pre-existing conditions should be taken into account when choosing a health insurance plan. Are you currently facing high medical costs? If so, you might want to look into plans that offer coverage for those expenses. Additionally, if you have a chronic condition, make sure the policy offers comprehensive coverage for your needs. 

Consider Your Lifestyle 

Think about your lifestyle and how it affects your health. Do you travel often? If so, you’ll want a plan that will cover any medical bills if something unexpected happens while you’re away from home. Additionally, if you live an active lifestyle, make sure the policy covers any sports-related injuries. 

Evaluate Your Employer Options 

If you’re still working, many employers offer health insurance plans for their employees. These plans may be more affordable than purchasing a private policy and could provide the coverage you need. It’s important to carefully evaluate any employer-offered plans before committing to them, as they may not offer the same level of coverage or flexibility as a private policy. 

Speak with a Financial Advisor 

When it comes to financial matters, there’s nothing better than talking to an experienced professional. A financial advisor can help you evaluate your options and advise you on the best course of action when it comes to health insurance in retirement. It’s important to find a professional who understands your needs and can provide personalized advice. 

Compare Plans 

Do some research online and compare the different health insurance plans available. Pay attention to things like coverage levels, cost, out-of-pocket expenses, and any additional benefits they may offer. Make sure you’re getting the best value for your money – and the coverage you need. 

Consider Long-Term Care Insurance 

If you’re concerned about long-term care costs, a long-term care insurance policy may be worth considering. These policies cover a variety of services such as home health aides, nursing home stays, and more. It’s important to understand what’s covered under the policy and how much it will cost you. 

When it comes to choosing a health insurance plan for retirement, there are many factors to consider. Take your time, do your research, and speak with a financial advisor to get the best coverage at an affordable price. With the right plan in place, you can rest assured that your health needs will be taken care of in retirement. 

Work with us

At Independent Financial Services, we have extensive experience helping our clients select the right insurance policies. We are well-versed in handling your financial needs through every phase of life. 

Contact us today to get started.


The information has been obtained from sources considered to be reliable, but we do not guarantee that the foregoing material is accurate or complete. Any opinions are those of Independent Financial Services and not necessarily those of Raymond James. Every investor’s situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. Investing involve risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Be sure to contact a qualified professional regarding your particular situation before making any investment or withdrawal decision. This material is for general information only and is not intended to provide specific advice or recommendations for any individual. Material provided by Redfern Media, an independent third party.

Long Term Care Insurance Products may not be suitable for all investors. Surrender charges may apply for early withdrawals and, if made prior to age 59 ½, may be subject to a 10% federal tax penalty in addition to any gains being taxed as ordinary income. These policies have exclusions and/or limitations. The cost and availability of Long Term Care insurance depend on factors such as age, health, and the type and amount of insurance purchased. As with most financial decisions, there are expenses associated with the purchase of Long Term Care insurance. Guarantees are based on the claims paying ability of the insurance company. Please consult with a licensed financial professional when considering your insurance options.