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We are retiring early next year with two kids under 26. In theory our retiree health care plan provided by employer does not cover the kids, so I've been looking at options. This helped greatly: http://www.rwjf.org/content/dam/farm/reports/reports/2013/rw...

One thing I was not sure of was would we qualify for ACA subsidies if we had retiree health care available. Seems as though that is a yes, if you decline the retiree health care. But the burning question seems to be is the retiree health care subject to ACA regulation such as dependent coverage, and there the answer is it depends. If the health care plan in which retirees participate also used by active employees, then yes. If it is only for retirees, no. Some plans were grandfathered until 2014 and did not have to comply, but now do. So in evaluating your options, know the answer to this question. If any of you have kids in college and are looking to insure them there, if the college health care is self funded then they are not subject to the ACA requirements, though it still counts for the student as enough insurance to avoid penalty. If they buy through an insurer, then they are subject to the same ACA minimums like no cap on coverage.

I asked the question on these boards, and figured I would come back with some findings.

IP,
cross posted on Retire Early Camp Fire, Retirement Investing and Retired Fools
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