If you retire before age?65, your couple health-insurance costs can vary widely based on age, location, plan type, and subsidy eligibility—here’s a detailed breakdown:
Typical Cost Ranges
1. ACA Marketplace (Obamacare) Plans
-
Without subsidies:
-
Common range: $800–$1,200/month for a couple aged 62–65 empower.com+15boldin.com+15azasrs.gov+15.
-
Forbes reports an average premium for a 60?year?old couple at $1,987/month (≈?$2,000) forbes.com.
-
Other estimates: $1,700–$2,200/month depending on location and age .
-
-
With subsidies:
-
Costs depend heavily on income. However, note that enhanced ACA subsidies are set to expire end of 2025, possibly causing premiums to roughly triple—for example, a 60?year?old couple earning $82k may see monthly costs jump from $581 to $2,111 barrons.com+1en.wikipedia.org+1.
-
