Health Insurance Strategies in Retirement

This free white paper covers:

What to do if you are under age 65 and need health insurance.

Why taking Social Security or pension payments prior to age 65 may cost you thousands in additional care costs.

Why contributing additional funds to 401ks, IRAs, 403bs, 457b Deferred Compensation plans, and other tax-deferred plans prior to retirement may create significantly higher health care costs in retirement.

How Roth IRAs and non-qualified investment accounts can provide retirement income prior to age 65 which may save you over $26,000 in health care-related costs each year.1

By modifying retirement income sources, you may be able to receive thousands of dollars each year in premium tax credits.

© Bernicke Wealth Management, Ltd.

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There are many variables to consider when determining your ideal age for taking Social Security income, including your future investment returns, future inflation rates, your life expectancy, Social Security solvency, potential impacts of reform, health status, financial situation, estate goals, and future retirement spending patterns, to name a few.

Securities offered through Triad Advisors, LLC, member FINRA/SIPC. Advisory services offered through Bernicke Wealth Management, Ltd. (Bernicke). Bernicke is not affiliated with Triad Advisors, LLC. IMPORTANT DISCLOSURES

Health Care in Retirement Prior to Medicare


Employment Status

Children and Spouse

Impact on Taxes

Are you working full-time or part-time and earning income? 

How do your taxes change once you've claimed your Social Security benefits? Do they at all?

Do you have children or a spouse that is also collecting Social Security benefits? How does being married or single impact your benefits?

Health Status

Social Security Solvency

Life Expectancy

Does your health status affect when to take Social Security? Will Social Security income change what you could pay for health insurance?

Will Social Security still be there by the time you retire? Will you still receive full benefits?

Will Social Security be enough if you have a long life expectancy? What is your break-even age?

Request the white paper to learn how these factors may impact when you should take Social Security:

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1 Assuming a married couple ages 62 and 65, in zip code 54701, with Modified Adjusted Gross Income (MAGI) of $64,961, according to Silver Plan used, as of July 16, 2018. Savings projected if the same married couple's MAGI  was reduced to $64,960.

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