retirement

6 signs that you are ready to retire early

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3. You have reliable health insurance
3. You have reliable health insurance | Thomas Barwick/Getty Images

3. You have reliable health insurance

Because Medicare doesn't kick in until age 65 and health insurance costs are rising faster than inflation, it's important to have a reliable, consistent source of health insurance.

Obamacare may be an option for you, but that coverage has an uncertain future. For many would-be early retirees, affordable coverage is most likely to come from a former employer.

A policy with low deductibles and copays that covers prescriptions, doctor visits, hospitalization, dental and vision will help keep out-of-pocket expenses as low as possible.

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