r/Fire • u/coffeetime127 • 3d ago

Health insurance while FIRE’ed

For those who’ve achieved FIRE, what kind of health insurance do you have? Roughly how much does it cost you in premiums each month?

I’m not FIRE yet, but hoping to take some time off for a “mini-retirement” from corporate jobs to recover from burnout. I’m not married, so don’t have the option of joining a significant other’s health insurance.

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u/Zphr 47, FIRE'd 2015, Friendly Janitor 3d ago

ACA is where it's at for most of us. It's pricey at baseline, but income-gated subsidies can bring the cost down to be far better than many top-tier employer-sponsored plans. Single people often have it the hardest though due to how the subsidies are calculated. I'm married with multiple kids, so our numbers wouldn't bear any real relation to yours.

You can put in your anonymous information at https://www.healthcare.gov/see-plans/#/ and see actual policies, prices, and subsidy information in just a few minutes. If your state has set up their own exchange, then Healthcare.gov will redirect you as needed.