How do I get health insurance if I retire at 60, before Medicare starts?

Retiring before 65 means bridging a health-coverage gap until Medicare begins. Your main options are the ACA marketplace at healthcare.gov, COBRA from your former employer for up to 18 months, a spouse's employer plan, or retiree medical benefits if offered. The marketplace is often the most affordable route because premium tax credits are tied to income, and a retiree living off savings and capital gains can sometimes show low enough modified adjusted gross income to qualify for substantial subsidies. That means how you draw down accounts, and how much taxable income you generate, directly affects your health-insurance cost. Plan withdrawals with that interaction in mind.