We are in our early 60's (retired) and are evaluating our Health Plan options for 2022. We have been on COBRA but that runs out at the end of the year. I wanted to explore ACA options on the Colorado Marketplace because of the premium cap of 8.5% of MAGI, but they are only offering plans that have in-network coverage in the state of Colorado. Of course, these plans do allow emergency coverage outside of the state, but based on the issues (treatment delays and OOP $) we had in 2021 getting medical attention elsewhere we would prefer a nation-wide in-network plan. Are we stuck with using the Colorado Marketplace to get an ACA plan? Or can we use the federal Marketplace? Or other cost-effective options?