The Federal law is there, state laws may add additional protections.
In Massachusetts you can have income of (5*FPL) 98600 + ROTH distributions + Cash and qualify for very low Health care cost and out of packet. With large Roth account one live on 200k a year and enjoy cheap high quality healthcare.
Insurance for 255 USD per person, Out of pocket 3000 for family.
https://www.mahealthconnector.org/learn/plan-information/connectorcare-plans
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