I'm nervous about leaving ACA. My deductible is insane $9100 per person - but the premium is only $185/month because we are a modest-income household. Plus Florida Blue gives us those silly rewards so I actually only pay around $50/month averaged out. That's for the two of us. We have co-pays, but they're mostly negligible. I pay less than $5/month combined, for three different prescriptions that I take daily.
We'll have to pay the part B cost no matter which route we take, and that'll mean paying monthly more than triple what we're paying now. Yes we won't have to pay IF we have this or that medical need. But with no medical needs at all, it might be more than we can afford.
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