[quote=UCGal][quote=no_such_reality]
You also need to control variables. Employers have the “family” plan that doesn’t count how many people[/quote]

You’re right about that. But with 2 kids, we’re not a huge family.

I think the factor was adult ages. I did some what if’ing.. and it appears my husband’s age was a bigger factor. Employer coverage doesn’t include ages of adults in the pricing. (It can’t – age discrimination, etc.) ACA and privately contracted insurance considers age and smoking status.

We’ll have a gap of one year between when COBRA runs out and he qualifies for Medicare… so we’ll have to budget extra for that year. But we can make the adjustments we need with planning.[/quote]

Ah. Yea the brutal year. The CoveredCA site was wonderful for pricing that in. It was pretty scary to see the steepness of the premium curve between 55 and 65. Insurance goes up more than 50% not including annual increases.

If at mid 40s your plan is $1000 a month, a 60 year old is looking at$2000
I’m curious on a the what if. Have you priced your equivalent plan on private as if you where both 40? How’s it compare to cobra