Health insurance is something people in the higher tax brackets rarely worry about – until retirement looms. Without proper guidance, many end up working longer than intended just to remain on the company health plan. This not only cuts into your golden years but negatively impacts the business because of the high cost of private insurance. A smarter option, especially if you are a business owner, is Medicare. By moving off the company benefit plan onto Medicare, you reduce corporate expenses and give yourself a cost-effective alternative to self-paying.