Our plan is pretty simple. We continue to budget for full insurance coverage at a 7.5% annual premium increase, which is about $17,500 for this year, and additional funds sufficient to keep our HSA account at the max out-of-pocket amount.
If we don't happen to spend it all, as is the case for the past few years, well, that's nice. We operate under the assumption that recent changes can revert at any time. In reviewing proposed replacement legislation, our current budget appears to be adequate as long as we maintain our health. Worst case is the 'guaranteed issue with underwriting and no pricing restrictions' proposal (Strain, AEI), which has the potential for annual insurance costs tending to infinity. (This is NOT the Burr-Hatch-Upton proposal, which has a 5::1 range limit for age and no underwriting for those with continuous, uninterrupted coverage after the one-time (not annual) open enrollment period.)
Longer term programs, such as the age 65 Medicare eligibility, are a bit more likely to remain, so our baseline spending assumptions still include that, with a substantial reserve for the known coverage anomalies.