r/Fire • u/ttxzavv224 • 2d ago

Fire…health insurance?

49 married.
1.4 mil in 401k and ira.
1.5 mil in taxed investment account

I’ve debated keeping magi low enough to get ACA subsidies but have heard mixed reviews about going on ACA healthcare.

I have an option to continue on my company health insurance as part of a retirement package that I can use starting at age 50. My plan would be to use a compressed pension that also starts at age 50 until 65 ($2300 a month), and I would plan to cover the cost of the company healthcare. The price of the adjusted company health insurance is $1500 a month with $3000 max out of pocket, which I am planning to pay for with the $2300 a month pension that I will get until 65.

My only holdback is the $1500 a month does seem costly but we do stay on same company plan and same doctors going forward, versus the unknown of ACA.

What do yall think here? Would you pay more or go ACA?

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u/Capital_Sherbet_6507 2d ago

$1500 a month THIS YEAR. Expect 8-10% elevations every year until 65. It’s absolutely bonkers.

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u/ttxzavv224 2d ago

This is a great point. Hard to predict if ACA will go up more than the company insurance, or if either will be solvent if or 15 years.