She Stayed Working for Health Insurance… Big Mistake

James (63) is selling his business. Jenny (56) carries the family’s health insurance through her teaching job. Two kids are still in college. Income is high now, but about to drop hard in retirement.So what’s the move?In this episode, we break down one of the most common early-retirement traps: assuming you’re stuck with COBRA or that the Affordable Care Act won’t work for you because your income is “too high.”That thinking keeps people working longer than they need to… or overpaying by tens of thousands.We walk through:• When COBRA actually makes sense and when it quietly burns cash• Why putting the whole family on COBRA can be a mistake• How a future drop in income can unlock ACA tax credits• The real challenges with college kids on health insurance across state lines• What happens when COBRA doesn’t bridge you to Medicare• How quickly you can get coverage after retiring• Why healthy, financially stable retirees have more options than they thinkThis is a real-world breakdown of how to transition from employer coverage to retirement without getting boxed into the wrong decision.If you’re within a few years of retiring and relying on employer health insurance, this is the episode that can save you from guessing your way through it.