Rubio is proposing making the federal retirement program that Congress uses available beyond government employees. His proposal would make it easier for workers whose employers don’t offer retirement plans, such as 401(k)s and other investment plans. Rubio’s systems would make it easier for lower- and middle-class voters to plan for their older years.

But Rubio’s plan would also increase the retirement age for younger workers while protecting those aged 55 and over. Older workers could still expect to retire at ages 62 or older, depending on their plans.

But for younger workers, who are expected to live longer than their elders, the retirement age in federal programs would rise.

To offset their concerns, those younger workers could have access to the same retirement plans used by Congress.