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So, I thought I was in good shape with my retirement planning. It looked like I was going to be able to retire long before 62. Now, I find out my company's retiree medical benefits are not available to me if I leave before age 55.

I read somewhere medical premiums run ~$5000/year, but that's for a group policy. And, the amount needs to be doubled to cover myself and my spouse.

Is the idea I'm supposed to build this amount into my plan? Are there other options for medical insurance?

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