Health care is one of the most important aspects of planning for an early retirement. Medicare eligibility doesn't kick in until you reach age 65. Pre-65 retirees who don't have access to employer-subsidized health insurance could be facing some substantial costs for a number of years until they are eligible for Medicare.

On today's show, we discuss the various health care options for pre-65 retirees and how those options can affect the rest of your long-term retirement planning.