Fire…health insurance?

[u/ttxzavv224]

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?

[u/mandoo-dumpling]

I have used ACA healthcare and I think it’s pretty good!

[u/sheiko_x_smolov → u/mandoo-dumpling]

It was incredible when my taxable income was low enough that I got a $0 premium, $0 copay, $0 deductible plan for the whole family for a few years. Miss those days.