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does-the-obbb-affect-health-insurance-for-early-retirees?
Does the OBBB Affect Health Insurance for Early Retirees?

Does the OBBB Affect Health Insurance for Early Retirees?

Last updated: September 23, 2025 12:48 pm
By Anne Johnson
1 Min Read
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Does the OBBB Affect Health Insurance for Early Retirees?

The One Big Beautiful Bill Act made some positive changes to the Affordable Care Act. REDPIXEL.PL/Shutterstock

There’s a gap between many seniors’ retirement dates and when they can start receiving Medicare benefits at 65. According to Fuchs Financial, the median age for Americans to retire is 62, with 70 percent of retirees stopping work before turning 65. Where’s the interim health insurance coming from?

Health insurance through the Affordable Care Act (ACA) marketplace was filling in the gap between employer insurance and Medicare. And because many retirees’ incomes dropped after retirement, the enhanced premium tax credits (PTCs) provided by the ACA made health insurance more affordable.

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