<prompt> Human: After doing some research and approximate calculations, it appears that I can easily retire in my early 50s using my 401k and IRA. The only concern that I have is dealing with health insurance if I decide to retire that early. I know theres the COBRA coverage where you can continue using your employers coverage for I believe 18 months after you retire from your employer, but what do you do after that?Medicare doesnt kick in until age 65, so thats a nearly 10 year gap. Any ideas on what to use for Medical and Dental insurance during that gap?Also, I do have an HSA that I plan on letting grow over time through investing. Once I retire in my 50s and no longer have COBRA coverage through my employer, am I able to use HSA withdrawals to pay for health insurance premiums as a qualified medical expense if I decide to get health insurance on my own?Any suggestionsadvice is greatly appreciated. Thanks.  <response>: Here is a good place to start your research on options In addition there are several really good discussions over the internet on this topic. I am biased toward bogleheads given most of their community is in retirement or close to it unlike Reddit who are more young highschool, college students, or 20-something adults. 