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the Clearing

Coming to The Clearing

The Bridge Years.

Some people leave employer coverage at 58 and have to find their own insurance for seven years. Some leave at 63 and have eighteen months to figure out. Some leave at 64 and ten months and have to make a decision in a tighter window than anyone warned them about.

These are the bridge years — between the coverage you had and the coverage Medicare gives you. We are building a room for them. It is not ready yet.

What this room will hold

  • COBRA — what it actually costs, what it actually covers, why it is usually not the right answer, and the cases where it is
  • The ACA marketplace as your other option — how subsidies work, what changes when you retire vs when you lose a job, what catastrophic plans are and when they make sense
  • Retiree health benefits — the ones that exist, the ones that almost exist, the ones that disappear when you blink
  • The decision tree when you are under 65 and uninsured
  • The penalty windows you cannot afford to miss between leaving employer coverage and turning 65

Why not now

Because the bridge years involve as much policy as Medicare itself, and we want to get the policy right before we publish it. This room is also where most of the bad advice on the internet lives. We want to be the place that does it honestly.

Tell us where you are in the bridge

Help us build it.

If you are between employer coverage and Medicare — or helping someone who is — we want to know what you are figuring out. What the gaps are. What no one warned you about.

Or write to Dan directly — dan@joinclear.ing.

We are not setting a launch date for this room. Founding Circle members will see it open first.