Retirement Answer Man

Healthcare Before Medicare: Creating Your Own Action Plan

Roger Whitney concludes his four-part series on pre‑Medicare health care by introducing the OODA Loop—observe, orient, decide, act—as a practical decision framework. He walks listeners through building a five‑year cash‑flow plan, estimating MAGI, and assessing ACA subsidy eligibility alongside COBRA and private‑market options. A conversation with Taylor Schulte highlights the interplay between Roth conversions, Social Security timing, and subsidy cliffs, emphasizing that simplicity can sometimes trump aggressive tax optimization. The episode ends with a call to regularly review health‑care strategies before Medicare enrollment to avoid costly errors.