Access to health insurance for adults age 50 to 64 drops as prices rise and . Insurance for Seniors Over 60</a> your no need to wait for two or three years as a . Many insurers sell individual health insurance plans. But if you're 50 and older, but not yet 65 and old enough for Medicare, actually getting an individual . What if I turn 65 in the middle of the year? . If you don't have retiree insurance or Medicare, you have the same insurance choices and . with a Special Enrollment Period any time from 60 days before and 60 days after your separation date. Facing the possibility of losing your health insurance can be scary, even more so if you are 60 years old. However, you do have options available and . Except in a few states that have tighter regulations about health insurance . ages of 50-60, where premiums go from 1.78x the 21 year old rate to 3x by age 64.