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Originally Posted by edtherock
I am 63- married On ACA now. As long as our yearly income stays below around 30,000 per year I get 100% govt subsidies to pay my monthly medical fee! We pay 0 dollars per month. We selected Florida blue select plan. 40 dollar doctor deductible and 85 dollar specialist deductible. That’s it. So the lower you can keep you income- the less you pay with ACA or Obamacare or whatever you want to call it. It works really welll. This is the second year we have been on it. Totally happy. But the key is that yearly income ! If you don’t have cash then this may not work for you.
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I agree about keeping your income low (on paper). I’m still several years away from 65 and retired. I receive a monthly medical benefit from my former employer of $550 per month, but then I’m required to find my own health insurance. My only income on paper is a monthly pension and interest income from investments. For other income, I just withdraw from my savings accounts each month, so on paper, my yearly income is way less than when I was working. I qualify for ACA, and signed up with the Gold plan through Florida Blue - the monthly premium is $700 (so after the benefit from my former employer is only $150 out of pocket each month). $20 copay for dr visits / $60 for specialists - with no deductible to meet. I’m pleased.