Those who retire between ages 50 and 64 are faced with procuring health insurance, whether through a spouse, COBRA or an individual plan, before Medicare kicks in at age 65, Nathan Solheim writes. But while the Affordable Care Act aims to make insurance universally available, the cost may be high, experts say. "Everyone will be able to get it. But will everyone be able to afford it?" says John Gaglione of GBSA Insurance.