Earn a great rate on your money

If you have cash to set aside, a share certificate is one of the most reliable ways to watch it grow. Choose a time period between 6 and 60 months, and we will offer you a highly favorable, fixed interest rate. For a limited time, earn a special rate on a 12-month United Texas Share Certificate.

Retiring early can seem like a dream come true. You can enjoy your golden years while many people your age are still running the rat race. However, early retirement also frequently comes with an unexpected cost—the Medicare gap. Medicare eligibility does not kick in until age 65. If you’re retiring earlier than that, you may be leaving your employer-sponsored health care plan. Here are three ways to help manage the issue:

1. Short-term insurance

Short-term insurance is relatively inexpensive, but does not offer the same amount of coverage as regular insurance. It’s probably the best choice if your Medicare gap is very short. You can take on a few months of risk, but shouldn’t plan on buying a short-term plan for years.

2. Open a share certificate

Share certificates allow you to set aside a certain amount of money for a specific time. In return for not touching those funds, you can enjoy a higher rate of interest. You can open a share certificate specifically for major medical expenses, a great way to face any potential emergency while you’re uninsured.

3. Open an HSA

An HSA account allows you to save money tax-free as long as it’s only used for medical expenses. Many employers will also match HSA contributions, so it’s worth looking into them long before the date of your retirement. Once you do turn 65, you can even start with withdrawing from your HSA for non-medical reasons. This makes it a highly versatile method of preparing for the future.