All logos, product names, and company names mentioned on this site are the property of their respective owners and are used for identification purposes only. Their use does not indicate any partnership, endorsement, or approval by these owners.

2 Best Health Insurance For Retirees

Jodie Price

By Jodie Price | Updated October 3, 2025

Choosing health insurance after retirement can be complicated, but the best options for 2025 offer dependable coverage, wide networks, and affordable costs. Medicare and supplemental plans help fill gaps, ensuring retirees protect both health and finances with trusted, dependable providers.

  • Kaiser Permanente

    Kaiser Permanente is available in 8 states and Washington, D.C., giving members access to a broad regional network. It operates 39 hospitals and 734 medical facilities with over 23,600 physicians. Telehealth services are also offered, making it easier to get care remotely.

    Our Expert Take

    Kaiser Permanente is a strong choice for retirees seeking affordable health insurance. It offers some of the lowest average costs for 60-year-olds, making it attractive for those wanting to keep expenses down while still getting dependable coverage.

    The company also earns high marks for customer satisfaction, with relatively few complaints compared to other insurers. This reflects its focus on consistent service and reliable care, which are key priorities for retirees.

    In addition, Kaiser Permanente is recognized as a top pick in broader health insurance ratings. Its combination of affordability and strong member experience makes it one of the most trusted options for retirement health coverage.

    Pros & Cons

    Pros

    • Integrated care system with doctors, hospitals, and pharmacy under one plan
    • Strong ratings for customer satisfaction and fewer complaints
    • Extra benefits like dental, vision, and hearing often included
    • Competitive premiums compared to some other Medicare Advantage plans

    Cons

    • Only available in select states and regions
    • Limited provider flexibility since you must use Kaiser’s network
    • Out-of-network care usually not covered except in emergencies
    • Plan options and costs vary by location, making it less consistent across states

  • UnitedHealthcare

    UnitedHealthcare is available in 49 states and D.C. (excluding New York) and participates in the Affordable Care Act marketplace in 18 states. Its network includes 1.3 million physicians and care professionals, along with 6,500 hospitals and facilities across the U.S. Telehealth services are also offered, providing convenient access to care.

    Our Expert Take

    UnitedHealthcare offers one of the largest provider networks in the U.S., giving retirees broad access to doctors and hospitals. This makes it easier to continue seeing your current providers or find specialists without long delays.

    Many Medicare Advantage plans include prescription drug coverage, reducing the need for a separate Part D plan. Extra benefits like dental, vision, and hearing coverage can also help lower common out-of-pocket costs.

    Premiums vary by location, and in some areas $0 premium options are available. With its AARP partnership and wide range of plan types, UnitedHealthcare is a strong option for those who want flexibility and added member benefits.

    Pros & Cons

    Pros

    • Large national provider network
    • Many plans include prescription drug coverage
    • Extra benefits like dental, vision, and hearing in select plans
    • Some $0 premium options available depending on location
    • AARP partnership adds member perks and support

    Cons

    • Out-of-pocket costs can vary widely by plan and region
    • Certain drug formularies may not cover all medications
    • Not every plan includes the same extra benefits
    • Premiums and copays may be higher than some competitors in certain markets

Frequently Asked Questions

What factors should retirees consider when choosing a health insurance plan?

When comparing health insurance plans, consider the monthly premiums, deductibles, out-of-pocket limits, prescription drug coverage, and provider networks. Make sure your preferred doctors are included and check for nationwide or international coverage if you travel often. Also, consider whether you need extras like dental, vision, or hearing benefits.

How do the costs of health insurance for retirees between ages 62 to 65 compare?

If you retire before age 65, private insurance can be expensive since you’ll pay full premiums without employer subsidies. Marketplace plans may offer tax credits if your income qualifies, which can lower monthly costs. Premiums for this age group are usually higher than for younger adults but less than long-term care coverage.

What health insurance options are available for retirees over 70 years old?

At retirement age, most people rely on Medicare, choosing either Original Medicare with a Medigap supplement or a Medicare Advantage plan. Prescription needs can be covered through Part D, while some also consider long-term care insurance, since Medicare doesn’t cover extended custodial care.

How can early retirees secure the best health insurance coverage?

If you retire before 65, you can use the Health Insurance Marketplace, COBRA from your previous employer, or a plan from your spouse’s employer. You should compare benefits, costs, and subsidies. Some retirees also consider short-term health insurance, but these plans often have limited coverage.

Which health insurance providers are included in the OPM plans for retirees?

The U.S. Office of Personnel Management (OPM) oversees the Federal Employees Health Benefits (FEHB) Program. Retirees who qualify can choose from national carriers like Kaiser Permanente and UnitedHealthcare, along with many regional options. Your available choices depend on where you live and the plans offered in your area.