10/15/2026
Medicare open enrollment starts today.
Here's the part of my retirement I didn't plan well enough for: LoriAnn's health insurance.
Medicare covers one person, not a couple. I was the main subscriber on our insurance, and she wasn't old enough for Medicare. When I moved to Medicare, her coverage didn't come with me.
We found her a private plan in Utah. Then we moved to Florida and had to shop all over again. What surprised us was the price. Her coverage alone costs about what we used to pay for both of us.
If your spouse is younger than you, put that number in your retirement budget now, not after your 65th birthday.
More in my Medicare checklist for dentists who've sold their practice. Link in the first comment.