Retire Early Lifestyle
Retirement; like your parents, but way cooler


Retire Early Lifestyle Blog  Free Newsletter Subscribe/Contact Us

Advertise on info here

In 1991 Billy and Akaisha Kaderli retired at the age of 38. Now, into their 4th decade of this financially independent lifestyle, they invite you to take advantage of their wisdom and experience.

Medical Insurance

National, International, Private

Experiencing Covid in Mexico - One man's medical adventure

Getting Covid in Panama - a personal story

A Canadian Perspective on Health Care Overseas

101 Ways to Save Money on Health Care  -  written by an urban Ohio physician, Cynthia J. Koelker, MD.

20 Surgery Centers with cash pay programs Here are 20 ambulatory surgery centers which offer its patients cash pay options. If you would like to recommend another surgery center for this list, contact Anuja Vaidya at   

Americans for Free Choice in Medicine promotes the philosophy of individual rights, personal responsibility and free market economics in the health care industry. Learn more.

Americas Health Insurance Plans, brings you a single destination offering up to the minute news and key resources for healthcare.

A close up of a water lily in Thailand

A close up of a water lily in Thailand

Article from MarketWatch - The U.S. can stlash health-care costs 75% with 2 fundamental changes - and without Medicare for all - Fund the HSA deductible, as Indiana and Whole Foods do, and put real prices on everything. 

Assurant Health offers affordable short term health insurance. Coverage starts the day after you apply and you may keep your own doctors. Fixed benefit, major medical, temporary insurance, international insurance and student health insurance.

Bupa offers worldwide health options with flexible international health insurance plans for individuals and families. 

Buying Private Health Insurance Most people who have health insurance get that insurance through their employer or their spouse’s employer, through a group insurance policy or some form of government insurance. Some early retirees have the ability to retain their employer based insurance coverage when they retire. Many do not. This FAQ is for early retirees who will need to buy insurance on the private, non-group market.





CancerCare - provides financial help for cancer patients.

Chronic Disease Fund - provides co-pay help for expensive drugs.

Clear Health Costs Cash or self-pay prices. Our metro areas: NYC, SF, LA, Dallas-Fort Worth, Houston, San Antonio, Austin. Others soon!  

Colorado Healthcare Services gives you information on Low Income Assistance for health car and dental care. Also lists a Health and Wellness Resource section. 

Common Medicare Mistakes Avoiding these frequent flubs will save you money and a tangle of red tape.

Controlling Healthcare Costs that can Lead to Debt  Medical costs are high, but our experts know how to save.

Dental Coupons Online provides coupons and promotions for dental health including discount dental plans and dental hygiene products.

Drug Rehab USA  Alcohol & Drug Rehabs That Accept Military Insurance - TRICARE Apply for a grant from SAMSHA to aid in paying for addiction treatment. 

eHealth Insurance The #1 service to find, compare and buy low cost family, individual and small business health insurance. For selection and prices of medical insurance plans from Aetna, Anthem, Blue Cross, Blue Shield, Humana, Kaiser and United Healthcare. Listed are HSA programs for businesses and learn about alternatives to COBRA Insurance.

Expat partnered with Globality Health, is an international health insurer with a special focus on expats around the world, providing an international network of assistance and service partners to members.  

Family Quickcare offers affordable and convenient healthcare for the working family. They provide service for only the most common acute illnesses and specialize in treating 90% of the most common acute illnesses. They offer efficient and affordable medical attention.

FAQs about health savings accounts A health savings account can be a powerful financial tool to cover medical expenses and save for the future.

Free and sliding-fee clinics across US (HRSA) - find health care and mental health services.

Free Market Healthcare Blog Educational resources for health care consumers and health care providers about how to accomplish the goal of accessing and providing affordable health care free from third party interference. Excellent articles, current and practical information.

Free Market Medical Association We help identify patients willing to pay cash, doctors willing to list their prices, businesses attempting to provide affordable quality insurance, and providers/services/and patient advocates that are helping make everything work. To further promote this movement, the FMMA is dedicated to bringing together BUYERS and SELLERS  

Gateway Travel Insurance  Travel Medical Insurance for the business traveler, the student and for the leisure traveler.

GeoBlue Travel Medical and International Health Insurance for world travelers and expats living abroad anywhere in the world. (Worldwide Services Insurance Agency, LLC in California and New York), an independent licensee of the Blue Cross Blue Shield Association.   

Healthcare and Staying Healthy on the Road  -  Cherie and Chris of Technomadia present some insurance options, as well as sharing some of their own healthcare experiences.

Health Insurance Guide Helps you understand health insurance, ACA and Medicare and more. If you want to understand plan options or costs you may incur, read this free health insurance guide.

High-risk pool States That Have Risk Pools and Consumer Guide to High Risk Insrance Pools

Hill-Burton free and reduced-cost health care - find specific facilities obligated to  provide free or reduced-cost treatment.

International Health Insurance  IHI was one of the first insurance companies in the world to offer international insurance plans. Over the last 30 years IHI has introduced more new products than any of the competitors including preventative services, health consulting services and online solutions for the convenience of their customers. Both healthcare insurance and travel insurance.

International Health Insurance offers low cost student insurance and affordable international health insurance plans for US visitors, students and travelers. This site gives you an overview.





International Medical Group provides international medical insurance, travel insurance and service to the international community whether you are visiting short-term or living abroad indefinitely. Get a quote, 24 hour access.

IMG Global Medical Insurance Plan The Global Medical Plan is an international private medical insurance plan designed to provide you and your family with worldwide medical coverage. Available to all nationalities, the IMG Global Medical Plan is ideal for international citizens living and working outside of their home country and provides some of the most comprehensive benefits available backed by world-class service. 

Janssen Prescription Assistance - a Johnson & Johnson clearinghouse for drug and medical supply assistance

Lifeboat Medical Insurance provides coverage anywhere in the world, including your country of residence.  

List of Labs - PersonaLabs, Accessa Labs, Life Extension, DirectOne Labs, HealthOne Labs, Any Lab Test Now, PrivateMD Labs.

Chinese women with flowers in their hair, Jinghong, China

Chinese women with flowers in their hair, Jinghong, China

Liberty Health Group focuses on health care transformation through education and empowerment. The advocate for businesses looking for affordable health care solutions! Free membership.

Medicare Australia - Eligibility and Enrollment Medicare cards are required for claiming a Medicare benefit, visiting a doctor who bulk bills, seeking treatment as a public patient in a public hospital or having a Pharmaceutical Benefits Scheme prescription filled.

(Original) Medicare Part A and B What it covers and how it works. Guide to Medicare Preventive Services and Screenings Medicare Part B - ‎Medicare Part D - ‎Medicare Part A - ‎Medicare Part C Medicare Cost Overview

Confused about Medicare? Contact Humana at 1.888.204.4062 and ask specifically for their free DVD: Medicare decisions made easy. This DVD has great information and will explain your options clearly.

Medicare Part A  and what it covers.

Medicare Interactive - Medicare Part B late enrollment penalty For each 12-month period you delay enrollment in Medicare Part B, you will have to pay a 10 percent Part B premium penalty. 

Medicare Part B is part of Original Medicare and covers medical services and supplies that are medically necessary to treat your health condition. This can include outpatient care, preventive services, ambulance services, and durable medical equipment. It also covers part-time or intermittent home health and rehabilitative services, such as physical therapy, if they are ordered by a doctor to treat your condition.

Medicare Plan Finder Compare all of the plans available in your area during open enrollment. Go to this site and type in your drugs and dosages to see how much you'd pay for premiums plus co-payments for plans in your area. shows a video giving you the 8 steps on how to choose the right medicare plan for you as well as all the up-to-date information on Medicare that you might want to know. See their MedicareQuick Teachable site also. Do you need medicare if you don't live in the US? Medicare Part B isn't free

Medi-Share Medi-Share is a community of Christians who have agreed to live as the early church when it comes to sharing each other’s burdens. Members share each other’s eligible medical bills. Each month, your monthly share is matched with another’s eligible medical bills. Through a secure online portal, Christian Care Ministry coordinates the direct sharing of medical costs between members.  

NeedyMeds - a clearinghouse of information, drug discounts, free and low-cost treatment centers, and more.

New Choice Health Save money on common medical procedures. Shop and compare. Free quote.   

North American Surgery The North American Surgery network of U.S. health care providers offers access to high-quality surgical procedures at prices that are often 50% or more below U.S. hospital averages.  

P A Group is a fully licensed insurance company with two main lines of business. Our international life insurance division issues unit-linked life insurance policies in underserved markets, while our general health insurance division provides major medical insurance policies for local country nationals, expatriates and group benefits.  

Partnership for Prescription Assistance - low-income help with Rx

Prescription Assistance Programs - a long list of disorders and diagnoses that may qualify for co-payment help 

Protexplan is a comprehensive international healthcare or medical insurance program offering worldwide cover without boundaries. There are 3 benefit levels, Bronze, Silver, and Gold. Get a free quote, download premium tables.

Samaritan Ministries - private insurance/healthcare fund for Christians who attend church regularly and have a pastor to vouch for them.

Simple Care can save you money on your healthcare premiums and help you get better care. If you are a physician and want to practice medicine without insurance company headaches, SimpleCare makes practicing medicine simple. If you a business owner interested in promoting SimpleCare to your employees or an insurance agent interested in promoting SimpleCare to your clients, SimpleCare can help you realize how simple health care can be. SimpleCare can help you control your healthcare costs and/or services. The secret is “Pay In Full At Time Of Service” or PIFATOS. The fact is, 30 – 50% of what a doctor charges goes toward administration costs, so when PIFATOS occurs, doctors can charge 30 – 50% lower fees.

Surgery Center of Oklahoma If you have a high deductible or are part of a self-insured plan at a large company, you owe it to yourself or your business to take a look at our facility and pricing which is listed on our site. If you are considering a trip to a foreign country to have your surgery, you should look here first. Finally, if you have no insurance at all, this facility will provide quality and pricing that we believe are unmatched. Watch our informative video here.  

Trinity Health Share Catastrophic programs help make major emergencies more affordable if, and when they occur. They are for people who are primarily healthy and don’t mind paying out of pocket for day-to-day health care expenses but who are looking for peace of mind in case of serious illness or injury. Trinity catastrophic programs offer sharing eligibility for services such as inpatient and outpatient surgeries performed in hospitals and ambulatory surgical centers (ASC).   

Understanding Health Insurance - a useful page for understanding your options in the health insurance market.

Uninsured in America - the Survival Guide  -  a Florida physician, Stephen Blythe,  coaches us through some fee-wrangling with doctors and hospitals.

VUMI is an international health insurance company that insures people wherever they are in the world.

Check out Wal*Mart Generic drug list to see if your prescription is listed.

WeExpats is an international insurance broker that provides low cost healthcare insurance products to people living or traveling around the globe.   

Wheeling It Fulltimer Nina outlines the resources they used to choose their coverage. Read Wheeling It's excellent rundown on lab tests, why you should be interested, and how to save truckloads of money by taking healthcare into your own hands.

World Nomads Travel insurance, recommended by Lonely Planet. Available to people from over 150 countries, designed for adventurous travelers, cover for medical, evacuation, baggage and activities.

Want us to be your private Retire Lifestyle Mentors? Find out more, click here

For more on Retirement Topics, click here and here

About the Authors

Billy and Akaisha Kaderli are recognized retirement experts and internationally published authors on topics of finance, medical tourism and world travel. With the wealth of information they share on their award winning website, they have been helping people achieve their own retirement dreams since 1991. They wrote the popular books, The Adventurer’s Guide to Early Retirement and Your Retirement Dream IS Possible available on their website bookstore or on

Trending on Retire Early Lifestyle


Retire Early Lifestyle appeals to a different kind of person – the person who prizes their independence, values their time, and who doesn’t want to mindlessly follow the crowd.

HOME     Book Store


Retire Early Lifestyle Blog      About Billy & Akaisha Kaderli      Press     Contact     20 Questions     Preferred Links     Retirement     Country Info    
Retiree Interviews
      Commentary      REL Videos




Subscribe Newsletter