Consumers contemplating an early retirement or starting a business should calculate how Trump administration and congressional policy changes could increase their health insurance costs — and plan accordingly.

People thinking about starting a business or retiring early — before they’re old enough for Medicare — may want to wait until November, when they can see just how much their Affordable Care Act health insurance will cost next year. Sharp increases are expected.

Premiums for ACA health plans, also known as Obamacare, on which many early retirees and small-business owners rely for coverage, are going up, partly because of policy changes advanced by the Trump administration and Congress. At the same time, more generous tax subsidies that have helped most policyholders pay for cove

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