To a certain degree, it did - I've been really worried about this.
However, we were also motivated to delay hubby retiring until the year he turns 55 so that we can pull from his 401K if our taxable account runs low in the early years. So our delay wasn't just due to healthcare coverage issues.
He turns 55 next year. I've crunched numbers the best I can, and I think we are ready to take the leap. Possible outcomes:
1) Best outcome: subsidies continue and we have more than enough money for HC
2) OK outcome: no subsidies but we can afford the premiums and out of pocket costs (I've run all of my numbers based upon this.)
3) worse outcome: healthcare becomes unaffordable to us, we run too low on money and have to go back to work
4) worst outcome: we delay FIRE and one of us croaks early with a big stash of money we never enjoyed together, ie. we go home with the idol in our pocket...
So, once I realized I can't predict the future and would regret #4 the most, I have become more comfortable pulling the FIRE trigger in 2018. Hubby is in agreement, especially having recently lost 2 co-workers to the grim reaper.
I may continue my part-time gig for a few more years, but I really want hubby to be able to retire. He's worked hard and long enough.
In a game of unknowns, to me, it's about what outcome you would you regret most.