Health insurance costs for Americans aged 62 to 65 can be a crucial financial consideration as they approach retirement. During this transitional period, many individuals find themselves in a unique gap—too young for Medicare and often too old for employer-sponsored plans. Understanding the nuances of health insurance in this age bracket is essential to effectively plan for healthcare expenses and avoid financial surprises. As life expectancy continues to rise, managing health-related costs during the pre-Medicare years has become increasingly important for financial stability and peace of mind.