The best thing that can happen to someone age 64 is they turn 65 and get Medicare. For people paying for their medical insurance there is a huge cost saving and better benefits.
Medicare is medical insurance for people age 65+ and people that receive Social Security Disability for over 2 years. Medicare comes in 2 parts:
Most people pay nothing for Part A, and $144.60/month for Part B (this assumes income is below $87K individual or $174K for a couple. You should receive your Medicare ID, 90 days prior to your 65th birthday month.
If you do not received your Medicare ID card you can contact Medicare, 1-800-772-1213 or apply online.
Medicare offers medical coverage; however it has some deficiencies:
Because of this people usually add a Supplement & Drug plan (Part D), or a Medicare Advantage Plan which includes a drug plan (Part C). Plans that cost $0 and include Prescription Drugs, Dental, Vision, Alternative Medicine, Health Club Membership and More. Offered by companies like Humana, Aetna, Premera, Regence, Kaiser Permanente and more.