Originally Posted by Live Free
Agree with the others. Obamacare, love it or hate it. But the one thing that it does do is allow early retirees (as well as everyone else) to get coverage regardless of preexisting conditions. That is very important for older folks that haven't reached Medicare age.
Practical effect of ACA (Obamacare) on ERs depends on the state you live in. Many states already had provisions for pre-existing conditions (e.g. "shall issue" laws/regs, hi-risk pools, etc.). Some folks have benefited by it, while others saw significant premium increases. Like most laws- some winners & some losers. And things continue to change as ACA gets fully implemented.
OP-- Might want to consider if your employer offers any retiree health ins for "full" retirees. Sometimes holding on for a few more years to qualify for added benefits &/or pension thresholds can make those last few years worth relatively much more $$$. Or not, depending on the employer.