This is not directed at you on a personal level, but your post brings to mind that one of the many peculiarities (or "economic irrationalities") of the ACA is that there is no asset-testing to qualify for the subsidies.

You mentioned your family income level. You did not mention your net family asset level. That's because assets are irrelevant to eligibility for ACA premium subsidies. (I'm not suggesting you disclose your financials here.)

One of the FIRE or early retirement strategies for people who stop working before Medicare eligibility is to manage their reportable income (there are a number of levers that provide flexibility in this regard) so as to remain eligible for ACA subsidies while getting their health insurance from an ACA marketplace plan.

So you could be a multi-millionaire early retiree and yet still be eligible for substantial ACA subsidies based on how you manage your reportable income.

There are many other issues with the way the ACA was constructed which raise a lot of questions about it that need to be looked into.

US Policy FAQ

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