Health insurance reforms have a great impact on all U.S. citizens. Aside from the uninsured and under-insured, these reforms will probably have no greater effect than on citizens between the ages of 55 and 64 that are interested in early retirement. Prior to the passing of the Patient Protection and Affordable Care Act on March 23, this group of baby boomers looking to retire early has had little in the way of options for affordable or attainable health insurance post-career. With Medicare unavailable to retirees until the age of 65, many individuals who choose early retirement have been left with few options. Furthermore, due to the likelihood of preexisting conditions within this age group, along with the deficient and short-lived nature of the insurance programs available to early retirees, the ability to attain affordable health insurance quotes has been almost nonexistent.

The health insurance reforms will have a persistent and positive effect on the quality and cost of health care available to people interested in early retirement. Health plans will now cover preventive care services for early retirees, as well as providing for research into health care innovations that aim to control both chronic and preventable diseases, drastically reducing costs for hospitalizations, medical care, and deaths in the future. In addition to helping individuals who decide on early retirement, reforms also allocate financial assistance to employees that sponsor health care for early retirees, allowing for more affordable health insurance quotes. By giving this kind of financial reinforcement to businesses that provide early retirement health care, more early retirees will have access to affordable, quality medical treatment.

Denial of health insurance due to preexisting conditions has long been an issue for early retirees. Health insurance reforms ensure that insurance cannot be denied due to past medical history. Additionally, health insurance quotes for individuals with preexisting conditions cannot be artificially-inflated. The new system will be a benefit to all involved. With the new focus of medical care on quality and duty to public health, incentive payments will be available to those that consistently perform and report quality and innovative health care.

These health care reforms will significantly help the health insurance qualms of the early retiree, allowing for affordable and quality health care where there was none previously. The reforms do not mean, however, that individuals who choose early retirement will not still have to pay considerable sums of money in the near future. Implementing and adjusting such a weighty and extensive plan will take time, and such cost reductions for health insurance quotes and premiums should not be expected immediately.