The golden year are not what they are cracked up to be. We work our whole life and save our money for retirement. Will we be healthy. There is no guarantee. In fact the chances are that you will not be able to retire because you have health issues and no insurance. I think the best plan is to retire while you still are able to enjoy life. I retired at fifty and traveled around the country. I have no regrets. We work camped and I did consulting work to make ends meet. We were not rich but we lived a full life. Grove OK DDS Karl Jobst can help you with your health goals.