I retire later this month, and our hospital's COBRA plan is $2,266/mo for the highest deductible. I can get Medicare, but my wife will be too young for Medicare for six more years. No way will I get any subsidy, so the question now shifts to ACA or market. We've found the ACA can be higher when there's no subsidy. Curious what others have found when one spouse needs pre-Medicare insurance and ACA "need tests" fail.
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