I have to admit that this thread scares the bejeebers out of me. I could relate to the OP. I've been teetering on the fence to FIRE for two years now..and the biggest issue by far is health care. I've talked the CEO of my company to scale down to 3-4 days a week, and keep my health care. Better than before, but still not thrilled about this.
I'm almost 62 and the DW is 58. We both have pre-existing conditions, mine are more significiant. We also live in a high cost state - NJ. I haven't visit the ACA options in my home state for awhile now, in terms of price and coverage. I believe it's over $20K with high deductibles. I'm going to need to check on this...but we may head out of NJ in a year or two anyway.
I'd love to bow out now and I'd be interested in those on here that 1) took the leap 2)
have pre-existing conditions, 3) are in a state where ACA coverage is relatively high but are using it, 4) are not getting a subsidy.
I'm thinking I may have to go to 63 1/2 to keep my excellent coverage, go to COBRA to 65, then just enroll in COBRA for my wife. But I'd prefer not to.