Under 65 Health & Protection Planning
Not everyone is eligible for Medicare—and having the right coverage before age 65 is just as important.
At Motiv Wealth, we help individuals and families explore health and protection options designed to fit their needs, budget, and stage of life.
Your Options Before Medicare
There is no one-size-fits-all solution. We help you understand and compare the most common types of coverage available.
Private health plans can offer flexibility and customizable coverage options depending on your situation.
These plans may be suitable for individuals who:
• Are self-employed
• Do not have employer-sponsored coverage
• Are looking for alternative plan structures
Availability and benefits vary based on state, carrier, and underwriting.
Short-term plans are designed to provide temporary coverage during transitions.
These plans may be used when:
• You are between jobs
• Waiting for employer benefits to begin
• Outside of Open Enrollment
Short-term plans typically offer limited benefits and may not cover pre-existing conditions. Duration and availability vary by state.
Marketplace (Affordable Care Act) plans provide comprehensive coverage and may offer subsidies based on income.
These plans are often appropriate for individuals who:
• Want essential health benefits coverage
• Have pre-existing conditions
• May qualify for premium tax credits
Enrollment is generally limited to Open Enrollment or qualifying life events.
Protection Beyond Health Insurance
In addition to health coverage, it’s important to consider financial protection strategies for you and your family.
Term life insurance provides coverage for a set period of time and is often used to:
• Protect income for your family
• Cover mortgage or debts
• Provide affordable coverage during working years
Whole life insurance provides permanent coverage and may include a cash value component.
It is often used for:
• Lifetime protection
• Final expense planning
• Long-term financial strategies
Unexpected medical expenses or a lack of coverage can create financial strain.
Having a plan in place helps:
• Protect your savings
• Manage healthcare costs
• Provide financial security for your family
Contact Us
Interested in learning more about your retirement planning options?
Schedule a complimentary consultation with a licensed insurance professional to review strategies related to Medicare, retirement income, and protection planning.
Complete the form or contact us directly by phone or text to schedule a consultation.
Motiv Wealth and its representatives are licensed insurance producers. We do not provide legal, tax, or fiduciary investment advice.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.