Thousands of seniors nationwide are not yet eligible for Medicare but fall in the costliest age range for medical care. Some are facing the reality that fewer employers are keeping early retirees on their insurance rolls until they qualify for Medicare at age 65. Others have lost employer-based coverage after their spouse died or went on Medicare, and many others aren't able to get individual health insurance because of pre-existing conditions. Or they have decided to go without insurance because of how much it costs to get coverage.