Al in Ohio
Thinks s/he gets paid by the post
I've said multiple times, the ACA was not in existence a few "short" years ago, yet people figured out how to ER.
I'll be more blunt. If you can't make a plan to ER without counting on other peoples money in the form of "subsidy", then you need to go back to FIRECALC, and build another plan.
Yes they did, but with healthcare costs projected to be 10%-50% of your annual expenses to worry about via either COBRA ( appropriate name : snake that will slowly kill you) or previous open market insurance ( no online state sponsored comparison shopping) most had to wait til 65 even if all other finances were in line. Then with the onset of the ACA came more affordable healthcare for those not yet Medicare eligible. This created a notable spike in early retirees from 2012 until the present. There were entire groups on this board that all ER'd solely after having that piece of the equation resolved.