Answering the health insurance question of where you’re going to get health coverage sometimes becomes one of the biggest hurdles to retirement or one of the most important factors in your retirement plan.

Before you reach the age of 65 you have to get some type of private insurance coverage and after the age of 65 you can go on Medicare. That also means that you’re going to need some type of Medicare supplement or Medicare Advantage plan as well as a Medicare Part D prescription plan.

Let’s break down all of these plans. Whether you’re looking to retire before 65 or you just need health insurance before then you have a couple of options.