Similar conundrum here. We plan to retire in 2 years, I'll be 57, wife will be 52. We currently live in Texas, but will be retiring NW Arkansas (Medicaid expansion state). We will be living mostly off of savings until I turn 59.5. Thus, we will have minimal income for at least 2.5 years. We have a rental with some cash flow, but it will amount to < 5K/yr. Not eligible for subsidies under ACA, and to buy a plan without would kill our budget. The only other option is Medicaid. This spooks us a bit as well, but not as much as draining our savings. A third potential option is to get part-time jobs to get our income up to the point we can qualify for subsidies. But of course, that's not retirement... Finally, all of this discussion may be moot since we don't know what is coming down the pike. Would like to hear folk's thoughts.