Big rewards that keep costs small
Take care of you, get paid. Repeat.
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Pre-Medicare coverage
Stay covered with RetireEase
RetireEase
Retired early? Your coverage shouldn’t come late
Transitioning off employer insurance feels like jumping without a net. RetireEase gives you fixed copays for doctor visits, physical therapy, and meds until Medicare hits at 65. Not a bad way to clock out, huh?
Where we’re at
- Arizona
- Florida
- Ohio
- South Carolina
- Texas
See if the plan checks all your boxes
Who it helps
- You're retiring early and need quality coverage until you hit 65
- You want low, fixed copays for routine care
- You want to protect your savings from an unexpected medical emergency
- You’re looking for Care Guides who really have your back
What you get
Retire from work like a boss
You’ve worked hard enough. It’s time for health insurance made for the life you’re creating now.
Benefits
The real post-work perks
- $0 to $35 fixed copays for primary care, labs, physical therapy, and more
- $75-100 fixed copays for cardiology and orthopedic care
- $0 prescriptions
- Protect your nest egg away from worst-case medical bills
You’re this close to post-retirement coverage
How it works
Cross “get health insurance” off your to-do list in 3 simple steps.
- Answer a few quick questions about your budget and household.
- Select any Oscar Early Retirement Benefits plan.
- Enroll. Done.
Made for the life you earned
You didn't stop working to start worrying about health insurance. Now early retirement comes with ease and a plan made for this exact chapter.
Member benefits
All the benefits of an Oscar membership
Oscar plans come with the good stuff. Lots of it.
Frequently asked questions
Answers to put your mind at ease
The exact cost of RetireEase depends on where you live, your household size, and whether you qualify for financial assistance (nearly 90%¹ of people do!).
Since this plan is tailored to your specific needs, your total annual costs are typically lower than with standard plans.
COBRA is usually the default recommendation because it’s easy for HR to hand you the paperwork on your way out the door. But here’s the catch: COBRA forces you to pay up to 102%2 of the premium for standard corporate insurance out of your own pocket. Translation: It can be really expensive.
RetireEase is built specifically for a retirement budget with features like fixed copays and $0 prescriptions (without the bloated, employer-sized premium).
Congrats! Yes, you can enroll today. Leaving a job and losing your employer-sponsored health insurance is what the industry calls a "qualifying life event." This opens up a 60-day special enrollment period just for you, meaning you do not have to wait for the standard fall open enrollment window. That way, there isn't a single gap in your coverage.
RetireEase is designed to be your permanent bridge to Medicare, not a trap. The exact month you turn 65 and your Medicare coverage kicks in, you can cancel your RetireEase plan instantly. No penalties, no hidden exit fees, and no messy paperwork.
Your RetireEase plan features fixed, predictable copays, meaning your costs won't suddenly spike just because you moved money around to fund your retirement. While large retirement accounts or income shifts can affect tax subsidies that could lower your monthly premium, your eligibility for the plan itself is entirely secure.
We get it — losing a doctor you trust is a dealbreaker. That’s why RetireEase gives you full access to Oscar’s expansive network of premium doctors, hospitals, and specialists. Want to be 100% sure before you enroll? Look up your providers here. It takes less than 60 seconds to lock in your peace of mind.