I took ACA my 1st year of Retirement, though I had the option to chose from 2 employers. BUT, since I was living off of savings, and very little Taxable Income, I was definitely 'allowed' to chose ACA, as the other choices were greater than 9% of my 'income'. That is what the criteria is supposed to be.All was great. All well planned. BUT THEN i was offered to come back the next year, as a Contract worked, working independently,on a project I liked..i took it..was suppsed to be 3 months, has been 2 , year. BUT, I had already chosen the ACA, so , of course at Tax Time, I had to pay back all subsidy. Then next year I chose my old company's health plan. I will stop working again in a month, but I will always stay with my old company's health plan, as we can't flip back and forth. Once I chose it and then decline it I can NEVER chose it again. Its a good plan, and not that expensive so its ok. But man, that first year of a decent ACA with great subsidy was nice!