I know I sound really stupid, but I really did research this on my own and did not understand what I read/heard. Can someone explain to me how ObamaCare would help me retire at 62 (rather than 65 when Medicare kicks in)? I do not understand this stuff about state pools, etc. Is it less expensive than my COBRA plan would be or continuation of my corporate insurance (which I cannot afford in retirment)? Medical coverage for my wife and I at age 62 to 65 is a major stumbling block to my retiring at 62. Thank you very much for sharing you expertise. I know I sound dumb.