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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Our early retirement is tied to ACA. The cost of healthcare may cause us to have to keep working until 65.

If they let us retire, younger workers would have more job opportunities.

[/quote]

Ours is too, which is why we are retiring to Massachusetts - we will have it not matter what. [/quote]

But won't you go on Medicare at 65? That's what we are planning on. If ACA disappears we will consider moving our principal residence to MA (we already have a house there) for the insurance, although MD had a very good high risk plan before ACA so we hope that will be revived. We plan to switch to MA residency when we retire anyway because that is where we will spend more than 6 months of the year, but not for the insurance at that point. Are the Medicare supplemental plans better or different in MA? I haven't looked into any of that yet.

In the meantime, we do have to work until medicare kicks in because our current ACA plan is $28k/year. Not sure what it will drop to when we no longer need a family plan but that's 5 years down the road so who knows what the landscape will look like at that point.[/quote]

We plan on retiring and moving prior to age 65.  I will be on it longer as I am almost 4 years younger than DH.  Our youngest should be out of undergraduate school when DH is 61 and he could retire any time after that.  I will use COBRA as long as I can, but there will probably be a gap of some sort.  It is hard to figure it out exactly because there are so may moving prats right now - I wish the ACA was not one of them, it adds an unnecessary complication.  [/quote]

How would repealing ACA make things less complicated for you once your spouse retires?  At ages 61 and 57, you wouldn't be eligible for Medicare.  Are you saying you'd simply forego insurance because there would be no individual mandate?         [/quote]

There will be very few options (possibly cost prohibitive if there actually are any options remaining)  for people in that age range if the ACA is decimated, goes away or is otherwise deteriorated.  Plus the way drug costs are increasing I don't know if anyone will be able to afford to quit a job with health insurance.  I take several pills that have been around for decades and have excellent generic track records and used to cost less than our co-pays.  In the pay year or so ALL have increased a minimum of 4x, some 10x and higher.  Totally ridiculous and going straight into the profits of the drug companies. At this rate we will be moving to Canada. [/quote]

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