Today is perhaps the best day of my life as an American.

[Curmudgeoness]

54. Yep, counting days in a five year period sucks.

I am in PA, and they are not the best state for health care. In fact, PA is fighting Obamacare tooth and nail. You are lucky to have found help. I would not have $20,000 to spare to have health insurance, which is why I will have to wait until I qualify for Medicare. And I think that there is a savings issue with getting help in PA. My savings, as meager as it is, is all I have for retirement along with SS. If I were to spend it down in that time from 62 to 65 just to have health insurance, I would not have hopes of retiring at 65. Or 66 to get full SS.

But I will start to look into all the options in two years when I could choose to take early SS. I also have considered planning to retire at 63-1/2, when I can use COBRA for the full 18 months until I qualify for Medicare. (See, I have been thinking this over.)