Medical insurance is the biggie for early retirement. The implementation of Obamacare came very close to tanking my early retirement. My original plan was a BCBS catastrophic policy ($283/mo; $7500 deduct). Ocare went in effect Jan 1 2014, I retired Jun 2014. Change was no catastrophic plans available to people over 30. Plan B: bought standard BCBS policy ($345/m; $4200 deduct) outright for 1st year. 2nd year, Plan B cost rose to $524/month; $5400 deduct. My agent said it will go up again the following year. Not good. 3rd year, Plan B went to $695/mo; $7200 deduct with another increase predicted the following year. This was no longer sustainable. After going through the options: no insurance+penalty, ad hoc work to pay premiums, get job for insurance, medicaid, or Obamacare itself--elected to go the Ocare route the 3rd year via the national Marketplace. I didn't think I qualified but agent found out yes. Unfortunately, Ocare requires earned income in excessive of the Medicaid limits but less than a predetermined level based on status. And I was living off savings which was zero earned income. After many meetings with people smarter than me, I restructured my retirement income plan to provide earned income monies to qualify for both Ocare subsidies when possible. This income fluctuates every year depending on my year-end fund balances and external side income. While Ocare has income limits like Medicaid it does not have "countable asset" requirements like Medicaid. For a similar policy to Plan B above but with a smaller provider network my monthly premiums have ranged from $111 to $325 with deductibles from $550 to $2750. The open market price on this same BCBS plan is $711 per month with $4000 deduct. The irony of the whole thing was Ocare screwed my original insurance plan yet in the end Ocare ended up saving the day and at times is cheaper than my 1st plan. Go figure. Having learned a lot about Ocare, I'd gladly take my back my original catastrophic plan if I could. The ACA is not what was marketed to the population as a whole. Obamacare subsidies work on 2 levels: monthly premium and deductibles. Both are based on earned income that exceeds the Medicaid limit of $12k or $16K for Medicaid Extended states. At the $29K level (for a single person) the deductible subsidy is lost but the premium subsidy remains with all subsidies prorated until you reach the upper Ocare income limit of $50k for a single person. The only way to see how you qualify is to get an account and go through the process or find an insurance agent that has one of the Ocare calculators. Every state is different.