Some of you may find yourself in an insurance nightmare. Let me give you an example from hypothetical reality. Lets just say there is a teacher contemplating retirement. As they start the last semester of school before retirement the realization hits them that they are only 62 and will need to find a new health insurance policy. All of a sudden there’s an extra $800 or so they didn’t plan on putting toward an insurance policy every month. Now they took a pay cut AND an insurance increase! It’s no wonder people have heart attacks! This doesn’t always happen and if you are fortunate enough to have Medicare available, check out the website at http://www.medicare.gov and see what’s offered.