I agree with Prism99. Be sure to check out your benefits. I'm 61 and I can't retire until age 66+ to get full benefits and they are quite a bit more than I would get if I started taking them at 62. I am currently insured thru our business on a small group health insurance policy. We're with BCBS and I have a $5,000 deductible and still pay $350 a month for my coverage on a group policy. Insurance ain't cheap.