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Short-term health insurance is a type of health insurance available outside of the ACA marketplace. With monthly costs ranging from around $100 to $300, these plans might sound like a great deal.
I’m 60 and want to retire before 65 — I need health insurance for 2-3 years until Medicare kicks in. COBRA is expensive, I don’t have a spouse’s plan. ... So if you’re 60 years old now ...
Before Medicare was created, approximately 60% of people over the age of 65 had health insurance (as opposed to about 70% of the population younger than that), with coverage often unavailable or unaffordable to many others, because older adults paid more than three times as much for health insurance as younger people.
For large firms with 200 or more workers, in 2000, 99% of employers offered health benefits; in 2007, that number stayed the same. On average, considering firms of all numbers of employees, in 2000, 69% offered health insurance, and that number has fallen nearly every year since, to 2007, when 60% of employers offered health insurance. [53]
Health care is often one of the biggest expenses Americans face in retirement. It's a sad reality that health tends to decline with age, and unfortunately Medicare doesn't fully cover all care costs.
Still, private insurance remained unaffordable or simply unavailable to many, including the poor, the unemployed, and the elderly. Before 1965, only half of seniors had health care coverage, and they paid three times as much as younger adults, while having lower incomes. [39]
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