1. New Economic Data & Bulls Vs. Bears 2. How Will You Watch The Super Bowl? 3. Who’s On Your Team? 4. Early Retirees – How To Bridge The Health Insurance Gap 5. Ask Annex – Bad TikTok Advice 6. “Teamwork…” 7. Is Annex The Right Fit For You?

New Economic Data & Bulls Vs. Bears

The yield curve is the most inverted it’s been since the 1980s, historically suggesting a recession is imminent. Annex Wealth Management’s Dave Spano and Derek Felske discuss why that may not be the case – and talk bull vs. bear perspectives.

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Early Retirees – How To Bridge The Health Insurance Gap

Are you thinking of retiring early? This week’s MoneyDo may help.  

It’s important to have a health insurance plan in place throughout your working years. However, don’t neglect to plan for health insurance in retirement as well. You may be aware that Medicare eligibility generally begins at age 65. But what if you retire before then? 

Given your individual situation, there may be several options available to you prior to Medicare eligibility: 

Employer Options – Some employers provide retiree health benefits capable of covering you until Medicare eligibility. Check with your benefits administrator to find out if you have any options available. 

COBRA – COBRA allows you to stay on your employer’s group health plan. What’s the catch? COBRA is typically expensive, and it has a time limitation. You pay 100% of the premiums, including a small administrative fee. The coverage generally lasts for 18 months after a qualifying event (such as termination or retirement). 

Health Care Marketplace – Also known as the “exchange” or “Obamacare,” the health care marketplace is a way for individuals to shop for various health plans through a platform operated by the Federal government. You can learn more at the website HealthCare.gov. Depending on your income, you may qualify for tax credits to offset some or all of the premiums. Recently passed legislation made these tax credits more generous through 2025. 

Stand-alone Plans – Many insurance carriers offer plans outside of the Healthcare Marketplace. Various offerings are available. One example is catastrophic health plans, which have lower monthly premiums but higher potential out-of-pocket costs. 

Medical Cost Sharing Plan – Various faith-based organizations, such as Medi-Share, offer an alternative healthcare expense sharing arrangement where members share each other’s medical costs. Although this can be a more affordable choice, these plans are not health insurance and have unique aspects which much be carefully considered. 

As you research and study alternatives, make sure you’re aware of what’s available and what works best, given your health care needs. Items to consider: 

  • Annual or monthly premium. 
  • Deductibles or other out-of-pocket expenses. 
  • Out-of-pocket annual maximums. 
  • Your current medications and coverage under a new plan. 
  • Will your current doctors be covered in a new network? 

We encourage you to research your pre-retirement health insurance options thoroughly. If you need help, seek out a financial planner you can trust to help you make a decision which is appropriate for your situation. 


Annex Wealth Management’s Sarah Kyle and Matt Morzy comment on some of TikTok’s questionable financial advice.

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