I am retired and not qualified for Medicare yet. My husband and I pay $3 a month for our family plan (cheapest plan-HSA qualified). We qualify for premium assistance, otherwise our monthly premium would be about $1350- or $675 each. However, my individual deductible is $4800 and annual ou of pocket maximum is $6550. I reached both limits before the end of February, thanks to Remicade infusions. Fortunately, Remicade provides copay and deductible assistance.
Even though we do not pay higher rates due to pre-existing conditions, our premiums are high due to our age and zip code. We definitely worry about the ACA being gutted. Health care costs are our greatest expense right now, even with assistance.