ACA subsidies are not available post 65 Medicare eligibility. It’s going to be really pricey,
This morning I checked Florida BCBS pricing, just out of curiosity. The plan most resembling Medicare coverage has a monthly premium of $2770.
Compare this with Medicare B plus Medicare D, both at the 2rd highest tier, or joint income up to but less than $700k. Medicare B is $527, Medicare D is $70. Medicare part A total costs are approx. the same as Part B, so even including a similar amount for Part A, the total premium would be $527 x 2 + $70, total $1124. Add another $220 for a Plan G supplement, and the total monthly premium cost is $1344, compared with the $2770 for a private policy.
Note, the private policy still has $1000 deductible, while Medicare B is $226. Also, the private plan has no underwriting, so the premium will increase with age, while the Medicare B and D plans do not, so the difference will increase with time.
DW and I are also subject to IRMAA but our total cost now is still less than the monthly premium we paid the last year we had an ACA policy.
It seems to me that ACA and Medicare discussions share a common theme, which is most people are not aware just how costly our health care is, most of that high cost is hidden from us, we become aware suddenly when our share of the cost increases, and finally, very few people directly pay the total cost of their health care (or health care insurance) in the US.