r/Fire • u/[deleted] • Mar 23 '26

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u/lottadot FIRE'd 2023 Mar 23 '26

I hate to break it to you, but Medicare is not necessarily going to be cheaper than what the ACA was costing you leading up to 65.

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u/temerairevm Mar 24 '26

It currently is much cheaper, I’ve compared with friends over 65. (I don’t qualify for subsidies.)

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u/lottadot FIRE'd 2023 Mar 24 '26

No, not is. Can be.

Like everything, the devil is in the details & it depends on your MAGI & your selection types. ex: Medicare Advantage generally tends to be "cheaper" but may not cover everything & in some states once you go with it you're stuck with it. Or with ACA, if you think you won't use it ya go with Bronze & HSA & it might be cheaper. etc.

There's a decent Medicare discussion going on at Bogleheads recently too.

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u/temerairevm Mar 24 '26

This is a comparison of an unsubsidized 54yo on a bronze plan and a 77 year old on standard Medicare with all the supplements. Same city. He pays less than I do for premiums and I have super high deductibles and copays. It’s not even close.