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I'm on ACA marketplace plan after coming off of COBRA.

My monthly insurance premiums are down drastically, but with a trade off in coverage and deductible.
If I have to use my insurance, I'll probably be in the ballpark cost of my very expensive COBRA coverage. But better to be covered than not.

The American Rescue Plan did away with the subsidy cliff, where if you made just 1.00 over the limit you didn't get any subsidies. But I believe that's only the rule for 2 years and that action would need to be taken to extend it. So if you are talking about retiring in a couple years, things may change.

https://www.hhs.gov/about/news/2021/03/12/fact-sheet-america...

I suggest you go onto marketplace coverage to get an idea of current costs and coverage.
https://www.healthcare.gov/

Using tax programs you can try to estimate your income if the subsidy cliff returns.

As a side note, the Mr. Money Mustache website has a lot of young retirees and threads on this as well.

I hope this helps
nag
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