Very true. What we are coming up against now is, if we took SS and the other Countries we have lived and worked in SS equivalents, along with a modest withdrawal from our IRAs, we would be well over the ACA Cliff. We do not have any heirs and want to manage our stash till we Kark it, hopefully leaving a little for our charities, but not a fortune. The result would be very HI Costs basically equivalent to our US SS payments. Seems like money down the crapper to me. So we delay our SS, and live on cash and cash dividends in order to save that money.
We do have an option of moving to Canada till DW is Medicare age, and then snow birding. We could do the same with the UK too. Then re-evaluating when she hits 65. The Problem there is I will be 70 then and who knows what can happen in between.
I do not know whether the powers that be realize what a worry Healthcare is for the majority of the population, whether Employee or otherwise. Not sure they care either, as all their healthcare costs are pretty much taken care of.
The Saga continues.