Sorry if this has been covered here before. I searched and didn't find it.
The government ACA web site at https://www.healthcare.gov/retirees/
states the following regarding early retirees who are covered by insurance from the former employer and choose to drop that plan in favor of a plan from the exchange.
If you have retiree coverage and want to buy a Marketplace plan instead, you can. But:
You can’t get premium tax credits and other savings based on your income. This is true only if you’re actually enrolled in retiree coverage. If you’re eligible for but not enrolled in retiree coverage, you may qualify for premium tax credits and lower out-of-pocket costs based on your household size and income.
This is the case with my DW, who is not yet 65 and is covered by retiree health insurance from her former employer (state government). When I retire hopefully at the first of the year, I could either be added to her plan or I could purchase one on the exchange. If I do that, I would consider purchasing a family plan and dropping her current policy. I'm thinking it'll be much cheaper if I can get a subsidy since I won't have much income in 2017 save for mainly Roth conversions, her very modest pension (barely covers the health insurance premiums) and capital gains distributions.
But what I'm reading is that because she chose to buy insurance from the retirement system, we can't get a subsidy for her? That just doesn't sound right.