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"health insurance is a luxury I can’t afford on my own. I need help and am not exactly sure where to get it. I don’t know what government programs out there I would qualify for."

Transitioning to Retirement

Short-Term Health Insurance for Older Adults

This option is often much less expensive than COBRA, but it usually doesn't cover pre-existing conditions.

Short-term insurance is an inexpensive source of coverage that may be a good option for older adults who are transitioning to retirement but may have a few months before they are eligible for Medicare. It may be renewable or non-renewable.

This health insurance coverage has policies that range from 1 to 12 months and is a good option if COBRA is not available and Medicare will start within a few months. Plans typically provide lists of doctors who decrease patients' co-payment but allow patients to visit other doctors for a higher out-of-pocket fee. Charges vary, but typically range from $30 to $150 a month, depending on factors including co-payment structure and deductibles.

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