Final answer:
A retiring 66-year-old woman should be referred to Medicare for health insurance, which is the system designed to provide cover for those over the age of 65. Upon becoming eligible for Medicare, it is crucial to enroll promptly to maintain continuous coverage. The Affordable Care Act may also provide other insurance options for those needing extra coverage or who are under 65.
Step-by-step explanation:
Upon retirement and loss of employer-provided health insurance, individuals aged 65 and older are eligible for Medicare, a federal health insurance program. The transition from employer-sponsored insurance to Medicare can be significant as many companies do not continue to offer health benefits after retirement. The Affordable Care Act (ACA), also offers options through the health insurance marketplace for those under the age of 65 or for those who may need additional coverage. It is important for retirees, like the 66-year-old woman, to enroll in Medicare as soon as they become eligible, generally three months before turning 65, to ensure there is no gap in health coverage.
Additionally, the ACA mandates that all Americans have health insurance, thereby increasing overall access to healthcare services. Due to her age and retirement status, referring the woman to Medicare is the most appropriate course of action. Military veterans may also have additional health care options through specific veteran benefits.